Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 22.6 percent. Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 22.6 and a capital leverage ratio of 8.4.
Asset Mix:
Securities (40%), home mtgs (38%), cash (12%), consumer loans (3%), comm re (1%), other (6%)
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
411 West Market Street
Red Bud, IL 62278
Red Bud, IL 62278
Phone Number
(618) 282-3939
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.