Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 12.4 percent of nonperforming loans to core capital combined with 19.3 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Home mtgs (35%), securities (20%), comm loans (11%), comm re (9%), consumer loans (5%), cash (2%), home eq lns (1%), other (17%)
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
West Central Bancshares, Inc.
Investment Rating
--
Address
400 East Buchanan Street
Ashland, IL 62612
Ashland, IL 62612
Phone Number
(217) 476-3325
Year Founded
1933
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.