Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.9 and a capital leverage ratio of 12.7. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Securities (53%), home mtgs (6%), cash (5%), comm re (3%), comm loans (2%), consumer loans (1%), home eq lns (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
Investment Rating
--
Address
203 East Walnut Street
Okawville, IL 62271
Okawville, IL 62271
Phone Number
(618) 243-5291
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.