Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 11.8. A current level of 7.1 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Securities (30%), comm re (25%), home mtgs (21%), comm loans (9%), cash (5%), home eq lns (2%), consumer loans (1%), other (9%)
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
Washington Savings MHC
Investment Rating
--
Address
200 South Banker Street
Effingham, IL 62401
Effingham, IL 62401
Phone Number
(217) 347-7173
Year Founded
1883
FDIC Number
Largest Affiliates
No affiliate information available.