Chesterfield State Bank
Major Rating Factors:
A current level of 97.0 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Very Weak asset quality (0.3). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 26.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Asset Mix:
Cash (26%), home mtgs (25%), comm loans (19%), consumer loans (6%), securities (3%), comm re (1%), other (20%)
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.