Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 11.3. A current level of 2.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability. 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:
Securities (28%), comm re (18%), home mtgs (14%), comm loans (8%), consumer loans (4%), cash (3%), home eq lns (1%), other (24%)
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
LBT Bancshares, Inc.
Investment Rating
--
Address
401 North Madison Street
Litchfield, IL 62056
Litchfield, IL 62056
Phone Number
(217) 324-3935
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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