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This institution is no longer active

Operations ceased on April 19, 2008. CRA examination history below reflects the period it was active.

MORRIS BUILDING AND LOAN, S.B.

MORRIS, IL · Supervised by FDIC

Est. 1917FDIC #28,427RSSD: FDIC-28427
Satisfactory Same

Current rating · Exam: May 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.38%

Institution Profile

FDIC BankFind

Address

211 E Jefferson, MORRIS, IL

County

Grundy County

Established

January 1, 1917

Total Assets

$36M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2008Call Report / FDIC

Total Assets

$36M

Total Deposits

$26M

Net Loans

$23M

Net Income

$-119K

ROA

-1.38%

Below avg for Small banks. Peer avg: 0.44%

ROE

-19.50%

Risk-Based Capital

12.44%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-1.38%Peer avg: 0.44%▼ Below avg
Risk-Based Capital12.44%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

Exam DateRatingExam Type
May 2004SatisfactorySmall Bank
May 1999SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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