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 (9.1 on a scale of 0 to 10). Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability. Fair liquidity 4.1, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 12.6 percent.
Asset Mix:
Securities (23%), comm re (20%), home mtgs (11%), comm loans (5%), cash (3%), home eq lns (1%), consumer loans (0%), other (37%)
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
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