Shelby County State Bank
Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 2.0 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Good (6.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (27%), home mtgs (15%), comm re (7%), comm loans (6%), home eq lns (2%), consumer loans (1%), cash (1%), other (42%)
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
Shelby County Bancorp, Inc.
Investment Rating
--
Address
130 South Morgan Street
Shelbyville, IL 62565
Shelbyville, IL 62565
Phone Number
(217) 774-3911
Year Founded
1895
FDIC Number
Website
Largest Affiliates
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