Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.7.
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability. Weak liquidity 3.0, driven by a liquidity ratio of 27.9 percent and a “hot money” ratio of 25.9 percent.
Asset Mix:
Securities (32%), comm re (25%), home mtgs (13%), comm loans (9%), home eq lns (8%), cash (5%), consumer loans (0%), other (7%)
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
Community Bancshares of Elmhurst, Inc.
Investment Rating
--
Address
330 West Butterfield Road
Elmhurst, IL 60126
Elmhurst, IL 60126
Phone Number
(630) 782-1234
Year Founded
1993
FDIC Number
Website
Largest Affiliates
No affiliate information available.