Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.0). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 9.1.
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 (4.6) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 28.8 percent and a “hot money” ratio of 10.2 percent.
Asset Mix:
Securities (39%), home mtgs (19%), cash (12%), comm re (6%), comm loans (4%), consumer loans (3%), home eq lns (1%), other (16%)
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
Sullivan BancShares, Inc.
Investment Rating
--
Address
One South Main Street
Sullivan, IL 61951
Sullivan, IL 61951
Phone Number
(217) 728-4302
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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