Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A current level of 3.1 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 44.2 percent and a “hot money” ratio of 15.0 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (44%), home mtgs (7%), comm re (7%), comm loans (4%), cash (4%), consumer loans (1%), other (32%)
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
Raymond Bancorp, Inc.
Investment Rating
--
Address
403 East Broad Street
Raymond, IL 62560
Raymond, IL 62560
Phone Number
(217) 229-3701
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.