Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other 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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (33%), comm re (15%), comm loans (13%), home mtgs (12%), cash (5%), consumer loans (2%), other (19%)
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
Scott Bancshares, Inc.
Investment Rating
--
Address
101 West Main Street
Bethany, IL 61914
Bethany, IL 61914
Phone Number
(217) 665-3321
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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