Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.6) profitability. A current level of 29.3 percent of nonperforming loans to core capital combined with 14.0 percent from a year earlier contributes to the Weak asset quality (1.0).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Comm re (21%), securities (21%), home mtgs (9%), comm loans (7%), consumer loans (6%), cash (5%), home eq lns (1%), other (29%)
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
MidAmerica National Bancshares, Inc.
Investment Rating
--
Address
100 West Elm Street
Canton, IL 61520
Canton, IL 61520
Phone Number
(309) 647-5000
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.