Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (20%), securities (20%), comm re (15%), cash (11%), comm loans (6%), consumer loans (3%), other (26%)
States with Branches:
FL, 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
ISB Bancshares, Inc.
Investment Rating
--
Address
1203 South Main Street
Lewistown, IL 61542
Lewistown, IL 61542
Phone Number
(309) 547-2064
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.