Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.1) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.9. A current level of 1.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (14%), cash (12%), comm loans (9%), comm re (8%), home mtgs (8%), home eq lns (2%), consumer loans (1%), other (47%)
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
Longview Capital Corporation
Investment Rating
--
Address
107 North Chestnut Street
Onarga, IL 60955
Onarga, IL 60955
Phone Number
(815) 268-7676
Year Founded
1918
FDIC Number
Website
Largest Affiliates
Ogden, IL
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Bank
Mount Pulaski, IL
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Bank