Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 10.7 and a capital leverage ratio of 9.4. A current level of 2.9 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.3).
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 (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability.
Asset Mix:
Consumer loans (25%), comm re (19%), securities (16%), comm loans (16%), home mtgs (6%), cash (2%), home eq lns (1%), other (15%)
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
3201 Banterra Drive
Marion, IL 62959
Marion, IL 62959
Phone Number
(618) 273-2242
Year Founded
1955
FDIC Number
Website
Largest Affiliates
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