Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 11.0. A current level of 5.9 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), comm loans (17%), securities (12%), cash (8%), home mtgs (6%), home eq lns (1%), consumer loans (1%), other (28%)
States with Branches:
IL, IN
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
Southern Illinois Bancorp, Inc.
Investment Rating
--
Address
201 East Main Street
Carmi, IL 62821
Carmi, IL 62821
Phone Number
(618) 382-4118
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.