INB, National Association
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.5) profitability. A current level of 16.0 percent of nonperforming loans to core capital combined with 16.7 percent from a year earlier contributes to the Fair asset quality (3.3).
Asset Mix:
Comm re (32%), cash (21%), comm loans (14%), home mtgs (8%), securities (4%), home eq lns (1%), other (20%)
States with Branches:
FL, IL, MO
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
Illinois National Bancorp, Inc.
Investment Rating
--
Address
322 East Capitol Avenue
Springfield, IL 62701
Springfield, IL 62701
Phone Number
(217) 747-5500
Year Founded
1886
FDIC Number
Website
Largest Affiliates
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