Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.0 and a capital leverage ratio of 9.2. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (25%), comm re (18%), comm loans (18%), securities (17%), home mtgs (6%), cash (3%), home eq lns (1%), other (13%)
States with Branches:
AZ, IL, IN, KY, MO, UT
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
Banterra Corp
Investment Rating
--
Address
1501 Route 45, South
Eldorado, IL 62930
Eldorado, IL 62930
Phone Number
(618) 273-2242
Year Founded
1955
FDIC Number
Website
Largest Affiliates
No affiliate information available.