Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.5) profitability.
Other Rating Factors:
A current level of 36.1 percent of nonperforming loans to core capital combined with 89.0 percent from a year earlier contributes to the Weak asset quality (1.6). Fair liquidity 3.7, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 21.8 percent.
Asset Mix:
Securities (33%), home mtgs (13%), cash (12%), comm re (11%), comm loans (2%), 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
No affiliate information available.