Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.2). 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).
Asset Mix:
Home mtgs (18%), securities (18%), comm re (6%), comm loans (6%), consumer loans (5%), cash (5%), other (42%)
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
Petefish, Skiles Bancshares, Inc.
Investment Rating
--
Address
102 West Beardstown Street
Virginia, IL 62691
Virginia, IL 62691
Phone Number
(217) 452-3041
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.