Southern Illinois Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.4) profitability. A current level of 15.3 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Securities (26%), comm re (22%), comm loans (10%), home mtgs (10%), cash (4%), consumer loans (1%), other (27%)
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
Southern Illinois Bancshares, Inc.
Investment Rating
--
Address
1012 West Broadway Boulevard
Johnston City, IL 62951
Johnston City, IL 62951
Phone Number
(618) 983-8433
Year Founded
1999
FDIC Number
Largest Affiliates
No affiliate information available.