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). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 1.0 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Comm re (20%), home mtgs (19%), securities (11%), cash (11%), comm loans (9%), consumer loans (3%), other (26%)
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
There are no affiliate to display.