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 (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.2 and a capital leverage ratio of 11.7. A current level of 4.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (40%), home mtgs (27%), consumer loans (18%), cash (3%), comm re (2%), home eq lns (1%), comm loans (1%), other (8%)
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
302 West Main Street
Clinton, IL 61727
Clinton, IL 61727
Phone Number
(217) 935-9470
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.