Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.0. A current level of 2.3 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Securities (40%), comm re (16%), home mtgs (4%), comm loans (4%), cash (1%), 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
No affiliate information available.