Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.7 and a capital leverage ratio of 13.2. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.0). 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:
Home mtgs (25%), securities (22%), consumer loans (17%), comm re (7%), comm loans (5%), cash (4%), other (20%)
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
South Central Bancorp, Inc.
Investment Rating
--
Address
201 South Madison Street
Kinmundy, IL 62854
Kinmundy, IL 62854
Phone Number
(618) 547-3533
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.