Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 8.8. A current level of 2.6 percent of nonperforming loans to core capital combined with 23.2 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 19.0 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (39%), comm re (15%), home mtgs (5%), comm loans (4%), cash (4%), home eq lns (1%), consumer loans (0%), 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
High Point Financial Services, Inc.
Investment Rating
--
Address
200 East Main Street
Forreston, IL 61030
Forreston, IL 61030
Phone Number
(815) 938-3121
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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