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 (5.0 on a scale of 0 to 10). A current level of 0.3 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.2. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.4 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm loans (22%), comm re (18%), home mtgs (15%), securities (9%), cash (9%), consumer loans (1%), home eq lns (1%), other (24%)
States with Branches:
IL, MO
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
T & C Bancorp, Inc.
Investment Rating
--
Address
524 North 30th Street
Quincy, IL 62301
Quincy, IL 62301
Phone Number
(217) 222-0015
Year Founded
1910
FDIC Number
Website
Largest Affiliates
Edina, MO
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Bank