First State Bank of Beecher City
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 9.2 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.6 and a capital leverage ratio of 15.4. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (9.0) profitability.
Asset Mix:
Home mtgs (24%), securities (15%), comm re (13%), consumer loans (10%), comm loans (9%), cash (3%), other (26%)
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
Tri-County Bancshares, Inc
Investment Rating
--
Address
101 South Charles Street
Beecher City, IL 62414
Beecher City, IL 62414
Phone Number
(618) 487-5161
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.