Major Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.3) profitability.
Asset Mix:
Comm re (23%), home mtgs (23%), securities (9%), home eq lns (6%), comm loans (5%), cash (2%), consumer loans (1%), other (32%)
States with Branches:
AZ, 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
Rich Land Bancorp, Inc.
Investment Rating
--
Address
600 East Main Street
Olney, IL 62450
Olney, IL 62450
Phone Number
(618) 395-4311
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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