Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Excellent (7.3) profitability.
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 (6.7 on a scale of 0 to 10). A current level of 10.8 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Fair asset quality (4.6).
Asset Mix:
Securities (21%), comm loans (6%), home mtgs (4%), comm re (3%), cash (2%), consumer loans (1%), other (63%)
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
Community Investment Group, Ltd.
Investment Rating
--
Address
112 South Orange Street
Havana, IL 62644
Havana, IL 62644
Phone Number
(309) 543-3361
Year Founded
1875
FDIC Number
Website
Largest Affiliates
No affiliate information available.