Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.9 and a capital leverage ratio of 5.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.2 on a scale of 0 to 10). Weak liquidity 2.3, driven by a liquidity ratio of 77.8 percent and a “hot money” ratio of 12.5 percent.
Asset Mix:
Securities (59%), cash (12%), home mtgs (8%), home eq lns (1%), comm re (0%), other (20%)
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
Lemont Bancorp, Inc.
Investment Rating
--
Address
1201 State Street
Lemont, IL 60439
Lemont, IL 60439
Phone Number
(630) 257-3000
Year Founded
1901
FDIC Number
Largest Affiliates
No affiliate information available.