Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.8 and a capital leverage ratio of 11.6. A current level of 0.4 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 33.8 percent and a “hot money” ratio of 32.2 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (56%), home mtgs (15%), comm re (13%), comm loans (3%), consumer loans (2%), cash (2%), other (9%)
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
Perry County Bancorp Inc.
Investment Rating
--
Address
15 East Main Street
Du Quoin, IL 62832
Du Quoin, IL 62832
Phone Number
(618) 542-2111
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.