Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.2 and a capital leverage ratio of 11.6. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 62.1 percent and a “hot money” ratio of 24.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Securities (49%), cash (8%), home mtgs (7%), home eq lns (1%), comm loans (1%), comm re (1%), consumer loans (1%), other (33%)
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
Okawville Bancshares, Inc.
Investment Rating
--
Address
110 East Walnut Street
Okawville, IL 62271
Okawville, IL 62271
Phone Number
(618) 243-5234
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.