Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 1.6 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
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. Fair liquidity 4.7, driven by a liquidity ratio of 49.7 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Securities (46%), cash (8%), home mtgs (7%), comm re (7%), comm loans (2%), consumer loans (1%), other (29%)
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
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