Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.4.
Other Rating Factors:
A current level of 13.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Comm re (27%), securities (23%), home mtgs (10%), comm loans (9%), cash (2%), home eq lns (1%), consumer loans (1%), other (28%)
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
Prime Banc Corp.
Investment Rating
--
Address
300 Sur Woods Drive
Effingham, IL 62401
Effingham, IL 62401
Phone Number
(800) 699-9766
Year Founded
1909
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.