Major Rating Factors:
A current level of 16.7 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (38%), comm loans (16%), securities (15%), cash (4%), comm re (4%), home eq lns (2%), consumer loans (1%), other (19%)
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
101 West Main Street
Mascoutah, IL 62258
Mascoutah, IL 62258
Phone Number
(618) 566-2343
Year Founded
1913
FDIC Number
Largest Affiliates
No affiliate information available.