Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10). Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability. A current level of 15.9 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (3.3).
Asset Mix:
Securities (28%), comm re (24%), comm loans (11%), home mtgs (11%), consumer loans (4%), cash (3%), home eq lns (1%), other (18%)
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
Midwest Community Bancshares, Inc.
Investment Rating
--
Address
300 Tower Square Plaza
Marion, IL 62959
Marion, IL 62959
Phone Number
(618) 997-4341
Year Founded
1937
FDIC Number
Website
Largest Affiliates
No affiliate information available.