Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.1 and a capital leverage ratio of 11.6. A current level of 3.6 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.7).
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 (5.6 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 42.7 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Securities (41%), comm loans (13%), cash (12%), home mtgs (8%), comm re (7%), consumer loans (3%), other (16%)
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
ANB Bancorp, Inc.
Investment Rating
--
Address
105 SW Church Street
Atlanta, IL 61723
Atlanta, IL 61723
Phone Number
(217) 648-2315
Year Founded
1887
FDIC Number
Largest Affiliates
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