Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A current level of 15.8 percent of nonperforming loans to core capital combined with 14.8 percent from a year earlier contributes to the Fair asset quality (3.0).
Asset Mix:
Home mtgs (32%), securities (20%), comm loans (11%), comm re (9%), consumer loans (6%), cash (3%), home eq lns (1%), other (19%)
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
No affiliate information available.