Chesterfield State Bank
Major Rating Factors:
A current level of 71.5 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Very Weak asset quality (0.3). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.9) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 31.0 percent and a “hot money” ratio of 26.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Asset Mix:
Cash (26%), home mtgs (25%), comm loans (19%), consumer loans (7%), securities (3%), comm re (1%), other (19%)
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
Investment Rating
--
Address
25 South Main Street
Chesterfield, IL 62630
Chesterfield, IL 62630
Phone Number
(618) 753-3181
Year Founded
1898
FDIC Number
Largest Affiliates
No affiliate information available.