Major Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Securities (28%), comm re (17%), home mtgs (17%), comm loans (5%), cash (3%), home eq lns (3%), consumer loans (0%), other (27%)
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
First Waterloo Bancshares, Inc.
Investment Rating
--
Address
228 South Main Street
Waterloo, IL 62298
Waterloo, IL 62298
Phone Number
(618) 939-6194
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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