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 (3.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.1) profitability.
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.5.
Asset Mix:
Securities (37%), cash (13%), comm loans (6%), consumer loans (1%), comm re (1%), home mtgs (0%), other (42%)
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