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 (3.8) profitability. A current level of 17.8 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Weak asset quality (2.9).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (35%), comm re (17%), home mtgs (10%), cash (5%), comm loans (3%), home eq lns (1%), consumer loans (1%), other (28%)
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
Citizens Bancorporation, Inc.
Investment Rating
--
Address
Nine East Main Street
Mascoutah, IL 62258
Mascoutah, IL 62258
Phone Number
(618) 566-8800
Year Founded
1992
FDIC Number
Largest Affiliates
No affiliate information available.