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 (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.4) profitability.
Other Rating Factors:
A current level of 25.3 percent of nonperforming loans to core capital combined with 74.9 percent from a year earlier contributes to the Weak asset quality (2.5). Fair liquidity 3.4, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 20.9 percent.
Asset Mix:
Securities (33%), home mtgs (14%), comm re (12%), cash (6%), comm loans (3%), consumer loans (1%), other (31%)
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.