Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 8.5.
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 (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (30%), comm re (13%), home mtgs (9%), comm loans (6%), cash (3%), consumer loans (2%), home eq lns (1%), other (36%)
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
1870 Holdings, Inc.
Investment Rating
--
Address
200 East Broadway
Monmouth, IL 61462
Monmouth, IL 61462
Phone Number
(309) 734-2265
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.