Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 1.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.9. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.9 has resulted in Excellent (8.5) profitability.
Asset Mix:
Comm re (22%), home mtgs (18%), cash (14%), securities (10%), comm loans (9%), consumer loans (2%), other (25%)
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
Investment Rating
--
Address
306 South Locust Street
Pana, IL 62557
Pana, IL 62557
Phone Number
(217) 562-3961
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.