Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
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 (5.2 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 55.0 percent and a “hot money” ratio of 13.7 percent.
Asset Mix:
Cash (38%), securities (29%), comm re (14%), home mtgs (4%), comm loans (3%), consumer loans (1%), 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
CB Edinburg Holdings, Inc.
Investment Rating
--
Address
100 East Washington Street
Edinburg, IL 62531
Edinburg, IL 62531
Phone Number
(217) 623-5284
Year Founded
1971
FDIC Number
Website
Largest Affiliates
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