Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.1 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (5.4). Fair liquidity 4.2, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 16.8 percent.
Asset Mix:
Securities (42%), home mtgs (12%), comm loans (11%), comm re (3%), cash (1%), home eq lns (1%), consumer loans (1%), other (30%)
States with Branches:
IN
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
DeMotte Bancorp
Investment Rating
--
Address
210 South Halleck Street
Demotte, IN 46310
Demotte, IN 46310
Phone Number
(219) 987-4141
Year Founded
1942
FDIC Number
Website
Largest Affiliates
No affiliate information available.