Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability. A current level of 15.4 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), securities (16%), comm loans (12%), cash (4%), comm re (4%), consumer loans (1%), home eq lns (1%), other (23%)
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.