Major Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Fair asset quality (4.3). 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:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.1) profitability.
Asset Mix:
Comm re (30%), securities (21%), home mtgs (10%), comm loans (8%), cash (2%), consumer loans (1%), other (28%)
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
No affiliate information available.