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 (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.1.
Asset Mix:
Securities (38%), cash (8%), comm loans (4%), consumer loans (1%), comm re (1%), home mtgs (0%), other (47%)
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
Arthur R. Murray, Inc.
Investment Rating
--
Address
36 East Jones Street
Milford, IL 60953
Milford, IL 60953
Phone Number
(815) 889-4131
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Dewey, IL
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Bank