Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.6). Fair liquidity 4.6, driven by a liquidity ratio of 63.0 percent and a “hot money” ratio of 16.8 percent.
Asset Mix:
Cash (51%), comm re (12%), comm loans (9%), consumer loans (5%), securities (1%), home mtgs (1%), other (22%)
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
UIR Acceptance Corporation
Investment Rating
--
Address
202 West Main Street
Easton, IL 62633
Easton, IL 62633
Phone Number
(309) 562-7420
Year Founded
1962
FDIC Number
Largest Affiliates
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