Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Good asset quality (5.2). Weak liquidity 2.7, driven by a liquidity ratio of 26.3 percent and a “hot money” ratio of 21.1 percent.
Asset Mix:
Home mtgs (49%), securities (18%), comm re (12%), cash (5%), home eq lns (2%), consumer loans (1%), comm loans (0%), other (13%)
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
Investment Rating
--
Address
633 LaSalle Street
Ottawa, IL 61350
Ottawa, IL 61350
Phone Number
(815) 434-3500
Year Founded
1889
FDIC Number
Website
Largest Affiliates
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