Major Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 9.8. Fair liquidity 3.7, driven by a liquidity ratio of 36.1 percent and a “hot money” ratio of 19.5 percent.
Asset Mix:
Securities (41%), home mtgs (24%), consumer loans (20%), cash (4%), comm re (2%), home eq lns (1%), comm loans (1%), other (7%)
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.