Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (1.9) profitability.
Other Rating Factors:
A current level of 24.5 percent of nonperforming loans to core capital combined with 76.0 percent from a year earlier contributes to the Weak asset quality (2.2). Fair liquidity 3.6, driven by a liquidity ratio of 12.6 percent and a “hot money” ratio of 20.4 percent.
Asset Mix:
Securities (42%), home mtgs (13%), comm re (9%), cash (4%), comm loans (4%), consumer loans (1%), other (27%)
States with Branches:
IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Elmwood Bancshares, Inc.
Investment Rating
--
Address
104 East Main Street
Elmwood, IL 61529
Elmwood, IL 61529
Phone Number
(309) 742-3711
Year Founded
1864
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.