Major Rating Factors:
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). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. Very Weak liquidity 0.2, driven by a liquidity ratio of 7.6 percent and a “hot money” ratio of 24.5 percent.
Asset Mix:
Comm loans (35%), comm re (15%), securities (9%), consumer loans (9%), home mtgs (7%), cash (5%), other (21%)
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
Iuka Bancshares Inc
Investment Rating
--
Address
205 West Main Street
Salem, IL 62881
Salem, IL 62881
Phone Number
(618) 548-9200
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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