The Bradford National Bank of Greenville
Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.3. 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:
A current level of 4.4 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (46%), comm re (11%), home mtgs (10%), cash (5%), comm loans (5%), consumer loans (2%), home eq lns (1%), 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
Bradford Bancorp, Inc.
Investment Rating
--
Address
100 East College Avenue
Greenville, IL 62246
Greenville, IL 62246
Phone Number
(618) 664-2200
Year Founded
1867
FDIC Number
Website
Largest Affiliates
No affiliate information available.