Major Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 9.5.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 11.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (31%), securities (25%), comm re (16%), cash (7%), comm loans (5%), home eq lns (5%), consumer loans (1%), other (10%)
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
Union Bancshares, MHC
Investment Rating
--
Address
223 West Stephenson Street
Freeport, IL 61032
Freeport, IL 61032
Phone Number
(815) 235-0800
Year Founded
1883
FDIC Number
Website
Largest Affiliates
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