Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 2.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (34%), comm re (27%), comm loans (9%), home mtgs (7%), cash (2%), consumer loans (1%), home eq lns (1%), other (20%)
States with Branches:
IA, 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
Blackhawk Bancorporation, Inc.
Investment Rating
--
Address
301 Fourth Street, West
Milan, IL 61264
Milan, IL 61264
Phone Number
(309) 787-4451
Year Founded
1961
FDIC Number
Website
Largest Affiliates
No affiliate information available.