Major Rating Factors:
A current level of 12.1 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.7. Fair liquidity 4.0, driven by a liquidity ratio of 20.9 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Securities (39%), comm re (17%), home mtgs (5%), comm loans (4%), cash (2%), home eq lns (1%), consumer loans (0%), other (32%)
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.