Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (29%), securities (20%), home mtgs (8%), comm loans (8%), cash (8%), consumer loans (1%), 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
CSB Financial Holdings, Inc.
Investment Rating
--
Address
625 SE Second Street
Galva, IL 61434
Galva, IL 61434
Phone Number
(309) 932-8181
Year Founded
1980
FDIC Number
Website
Largest Affiliates
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