Major 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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.5 and a capital leverage ratio of 15.5. A current level of 4.2 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Securities (45%), comm loans (18%), cash (12%), consumer loans (2%), home mtgs (2%), comm re (1%), other (20%)
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
106 East Washington Street
Medora, IL 62063
Medora, IL 62063
Phone Number
(618) 729-3241
Year Founded
1912
FDIC Number
Largest Affiliates
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