Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 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 (1.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 2.7 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Securities (42%), cash (15%), comm loans (7%), home mtgs (2%), consumer loans (1%), other (33%)
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
Investment Rating
--
Address
101 North Second Street
Hartsburg, IL 62643
Hartsburg, IL 62643
Phone Number
(217) 642-5213
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.