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 (3.6) profitability. A current level of 32.9 percent of nonperforming loans to core capital combined with 40.7 percent from a year earlier contributes to the Very Weak asset quality (1.0).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (20%), comm re (19%), cash (10%), home mtgs (10%), comm loans (6%), consumer loans (6%), home eq lns (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
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
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