Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Good asset quality (6.1). Fair liquidity 4.3, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Securities (44%), home mtgs (9%), comm loans (5%), comm re (3%), cash (2%), consumer loans (1%), other (36%)
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
Gerber Bancshares, Inc.
Investment Rating
--
Address
110 East Elm Street
Argenta, IL 62501
Argenta, IL 62501
Phone Number
(217) 795-2331
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.