Major Rating Factors:
A current level of 47.5 percent of nonperforming loans to core capital combined with 47.7 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 16.0 percent and a “hot money” ratio of 22.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Asset Mix:
Comm re (38%), securities (19%), home mtgs (19%), cash (3%), comm loans (3%), home eq lns (1%), consumer loans (0%), other (17%)
States with Branches:
IA, 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
Investment Rating
--
Address
110 East Fourth Street
Sterling, IL 61081
Sterling, IL 61081
Phone Number
(815) 626-0614
Year Founded
1885
FDIC Number
Website
Largest Affiliates
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