Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 1.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.1).
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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (36%), securities (23%), home mtgs (8%), cash (5%), comm loans (4%), consumer loans (1%), home eq lns (1%), other (22%)
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
Country Bancorp, Inc.
Investment Rating
--
Address
230 South Main Street
Hillsboro, IL 62049
Hillsboro, IL 62049
Phone Number
(217) 532-3991
Year Founded
1869
FDIC Number
Website
Largest Affiliates
No affiliate information available.