Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 11.4. 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).
Other Rating Factors:
A current level of 10.8 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (5.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (21%), home mtgs (18%), consumer loans (17%), comm loans (16%), comm re (11%), cash (5%), home eq lns (1%), other (11%)
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
Whittington Bancorp, Inc.
Investment Rating
--
Address
200 North Main Street
Benton, IL 62812
Benton, IL 62812
Phone Number
(618) 438-2411
Year Founded
1919
FDIC Number
Largest Affiliates
No affiliate information available.