Major Rating Factors:
A current level of 14.1 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (6.3) profitability.
Asset Mix:
Securities (28%), home mtgs (8%), comm re (8%), comm loans (7%), consumer loans (2%), cash (2%), other (45%)
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
S & H Holdings, Inc.
Investment Rating
--
Address
111 West Lincoln Avenue
Iroquois, IL 60945
Iroquois, IL 60945
Phone Number
(815) 429-3337
Year Founded
1919
FDIC Number
Website
Largest Affiliates
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