Major Rating Factors:
A current level of 35.3 percent of nonperforming loans to core capital combined with 36.5 percent from a year earlier contributes to the Weak asset quality (1.6). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 41.7 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Cash (38%), home mtgs (26%), comm loans (7%), consumer loans (6%), comm re (4%), securities (3%), other (17%)
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
Investment Rating
--
Address
1205 Mullholland Street
Nauvoo, IL 62354
Nauvoo, IL 62354
Phone Number
(217) 453-2515
Year Founded
1893
FDIC Number
Largest Affiliates
No affiliate information available.