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 (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.2.
Asset Mix:
Home mtgs (21%), securities (21%), comm re (15%), comm loans (6%), cash (6%), consumer loans (3%), other (28%)
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
70 East Main Street
Ipava, IL 61441
Ipava, IL 61441
Phone Number
(309) 753-8202
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.