Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.6 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (5.5). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (28%), comm re (22%), home mtgs (12%), cash (4%), comm loans (3%), consumer loans (1%), other (29%)
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
ISB Bancorp, Inc.
Investment Rating
--
Address
230 South Lasalle Street
Tonica, IL 61370
Tonica, IL 61370
Phone Number
(815) 442-8211
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.