Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.8) profitability. A current level of 14.2 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Securities (31%), home mtgs (11%), cash (9%), comm loans (8%), comm re (8%), home eq lns (5%), consumer loans (2%), other (26%)
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
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