Chesterfield State Bank
Major Rating Factors:
A current level of 76.4 percent of nonperforming loans to core capital combined with 100.4 percent from a year earlier contributes to the Very Weak asset quality (0.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 39.7 percent and a “hot money” ratio of 24.4 percent. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Fair (3.9) profitability.
Asset Mix:
Cash (34%), home mtgs (27%), comm loans (13%), consumer loans (5%), securities (3%), comm re (1%), other (17%)
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
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