Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.2 and a capital leverage ratio of 14.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 16.6 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (48%), home mtgs (26%), comm re (6%), cash (5%), comm loans (3%), consumer loans (2%), other (10%)
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
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