Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 11.7. A current level of 6.9 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 31.5 percent and a “hot money” ratio of 24.6 percent.
Asset Mix:
Securities (44%), home mtgs (24%), comm re (10%), consumer loans (4%), comm loans (3%), cash (2%), home eq lns (2%), 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
Investment Rating
--
Address
301 West Main Street
Salem, IL 62881
Salem, IL 62881
Phone Number
(618) 548-3440
Year Founded
1910
FDIC Number
Largest Affiliates
No affiliate information available.