Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 64.6 and a capital leverage ratio of 28.2. Operating profits as a percentage of assets at 8.8%, coupled with a return on assets of 6.3 has resulted in Excellent (10.0) profitability.
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 (5.9 on a scale of 0 to 10). A current level of 10.6 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Home mtgs (28%), securities (24%), cash (21%), consumer loans (8%), comm re (5%), comm loans (2%), other (13%)
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 North Main Street
Vermont, IL 61484
Vermont, IL 61484
Phone Number
(309) 784-2271
Year Founded
1947
FDIC Number
Website
Largest Affiliates
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