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 (4.6 on a scale of 0 to 10). A current level of 34.9 percent of nonperforming loans to core capital combined with 20.2 percent from a year earlier contributes to the Weak asset quality (1.5).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.4. Fair liquidity 3.1, driven by a liquidity ratio of 21.8 percent and a “hot money” ratio of 22.0 percent.
Asset Mix:
Comm re (36%), securities (19%), home mtgs (18%), cash (5%), comm loans (4%), 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
No affiliate information available.