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 16.9 and a capital leverage ratio of 11.0. A current level of 2.6 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Securities (29%), comm re (19%), home mtgs (13%), comm loans (9%), consumer loans (4%), cash (3%), home eq lns (2%), other (21%)
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
No affiliate information available.