Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). A current level of 2.1 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (21%), comm re (21%), home mtgs (9%), comm loans (7%), cash (5%), home eq lns (1%), consumer loans (0%), other (36%)
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
Central Banc, Inc.
Investment Rating
--
Address
101 North State Street
Geneseo, IL 61254
Geneseo, IL 61254
Phone Number
(309) 944-5601
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.