Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 10.1. A current level of 0.7 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (26%), comm loans (14%), comm re (7%), home mtgs (4%), cash (2%), consumer loans (1%), 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
Stark County Bancorp, Inc.
Investment Rating
--
Address
102 West Main Street
Toulon, IL 61483
Toulon, IL 61483
Phone Number
(309) 286-2861
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.