Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 10.5. A current level of 0.4 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Comm re (27%), securities (24%), home mtgs (8%), cash (6%), comm loans (3%), home eq lns (1%), other (31%)
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
First Illinois Corporation
Investment Rating
--
Address
225 North Water Street
Decatur, IL 62523
Decatur, IL 62523
Phone Number
(217) 875-3131
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.