Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 9.6. A current level of 3.3 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Securities (31%), home mtgs (22%), comm re (9%), comm loans (5%), cash (2%), consumer loans (1%), other (30%)
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
Hometown Financial Group, Inc.
Investment Rating
--
Address
301 West Falcon Highway
Flanagan, IL 61740
Flanagan, IL 61740
Phone Number
(815) 796-2264
Year Founded
1913
FDIC Number
Largest Affiliates
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