Major Rating Factors:
Weak current capitalization (1.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 7.2.
Other Rating Factors:
Very Weak liquidity 0.4, driven by a liquidity ratio of 4.6 percent and a “hot money” ratio of 14.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Asset Mix:
Securities (52%), home mtgs (10%), comm re (7%), comm loans (6%), cash (2%), consumer loans (1%), other (22%)
States with Branches:
IL, WI
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
TS Contrarian Bancshares, Inc.
Investment Rating
--
Address
Two Kelli Court
Clinton, IL 61727
Clinton, IL 61727
Phone Number
(217) 935-2148
Year Founded
1872
FDIC Number
Website
Largest Affiliates
Tioga, ND
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Bank