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 (4.8 on a scale of 0 to 10). A current level of 12.7 percent of nonperforming loans to core capital combined with 18.4 percent from a year earlier contributes to the Fair asset quality (4.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 50.1 and a capital leverage ratio of 24.6. Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 2.9 has resulted in Good (6.5) profitability.
Asset Mix:
Cash (38%), home mtgs (32%), consumer loans (7%), securities (6%), comm re (6%), comm loans (2%), other (10%)
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
No affiliate information available.