Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.6. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Asset Mix:
Securities (15%), comm loans (15%), home mtgs (13%), comm re (12%), cash (6%), consumer loans (3%), other (36%)
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
Arthur R. Murray, Inc.
Investment Rating
--
Address
2994 County Road 900 East
Dewey, IL 61840
Dewey, IL 61840
Phone Number
(217) 897-1125
Year Founded
1902
FDIC Number
Largest Affiliates
Milford, IL
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Bank