Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. A current level of 5.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (35%), cash (16%), comm loans (6%), home mtgs (5%), comm re (3%), consumer loans (2%), home eq lns (1%), other (33%)
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
Alpha Banco, Inc.
Investment Rating
--
Address
124 West D Street
Alpha, IL 61413
Alpha, IL 61413
Phone Number
(309) 629-4361
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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