First State Bank of St. Peter
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 46.8 and a capital leverage ratio of 18.5. A current level of 2.4 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (65%), cash (8%), home mtgs (6%), consumer loans (4%), comm re (1%), comm loans (1%), other (15%)
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
St. Peter Bancshares, Inc.
Investment Rating
--
Address
200 East Third Street
Saint Peter, IL 62880
Saint Peter, IL 62880
Phone Number
(618) 349-8343
Year Founded
1908
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.