Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.0 and a capital leverage ratio of 14.1. 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).
Other Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital combined with 13.4 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (48%), home mtgs (24%), cash (8%), comm re (7%), consumer loans (2%), comm loans (2%), other (9%)
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
Union County Bancshares, Inc.
Investment Rating
--
Address
201 South Main Street
Anna, IL 62906
Anna, IL 62906
Phone Number
(618) 833-8506
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.