Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm loans (20%), cash (19%), comm re (14%), home mtgs (14%), securities (10%), consumer loans (1%), home eq lns (1%), other (21%)
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