Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.4 and a capital leverage ratio of 15.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (23%), securities (20%), comm loans (10%), comm re (7%), cash (7%), consumer loans (1%), other (31%)
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
Stateline Community Bancshares, Inc.
Investment Rating
--
Address
233 Carver Street
Winslow, IL 61089
Winslow, IL 61089
Phone Number
(815) 367-5011
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.