Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 2.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 42.2 percent and a “hot money” ratio of 13.6 percent.
Asset Mix:
Securities (48%), home mtgs (21%), comm loans (7%), comm re (6%), consumer loans (5%), cash (5%), other (8%)
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
Granville Bancshares, Inc.
Investment Rating
--
Address
328 South McCoy Street
Granville, IL 61326
Granville, IL 61326
Phone Number
(815) 339-2222
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.