Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.0 and a capital leverage ratio of 16.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (22%), securities (19%), comm loans (10%), cash (8%), comm re (7%), consumer loans (1%), other (32%)
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
There are no affiliate to display.