Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 24.5 and a capital leverage ratio of 10.5. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (8.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Securities (37%), cash (15%), home mtgs (9%), consumer loans (4%), comm re (3%), comm loans (3%), other (28%)
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
Prairieland Bancorp, Inc.
Investment Rating
--
Address
484 East Main Street
Bushnell, IL 61422
Bushnell, IL 61422
Phone Number
(309) 772-2171
Year Founded
1914
FDIC Number
Website
Largest Affiliates
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