Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 10.8. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (40%), cash (8%), home mtgs (7%), comm loans (7%), comm re (5%), 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
Agricultural Banking Corporation
Investment Rating
--
Address
106 N. Market St.
Paxton, IL 60957
Paxton, IL 60957
Phone Number
(217) 379-2336
Year Founded
1941
FDIC Number
Website
Largest Affiliates
No affiliate information available.