Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 9.8. A current level of 6.3 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Fair asset quality (5.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Securities (32%), home mtgs (11%), cash (10%), comm loans (8%), comm re (7%), home eq lns (5%), consumer loans (2%), other (24%)
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
Shannon Bancorp, Inc.
Investment Rating
--
Address
One South Linn Street
Shannon, IL 61078
Shannon, IL 61078
Phone Number
(815) 864-2111
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.