Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 2.1 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.8).
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 (5.7 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 40.6 percent and a “hot money” ratio of 13.7 percent.
Asset Mix:
Securities (45%), home mtgs (21%), cash (7%), comm loans (6%), comm re (6%), consumer loans (5%), other (10%)
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.