Bank of Yates City
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. Weak liquidity 2.7, driven by a liquidity ratio of 27.1 percent and a “hot money” ratio of 21.4 percent.
Asset Mix:
Securities (26%), home mtgs (21%), comm re (11%), comm loans (8%), consumer loans (5%), cash (4%), other (26%)
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
First Bancorp, Inc.
Investment Rating
--
Address
107 East Main Street
Yates City, IL 61572
Yates City, IL 61572
Phone Number
(309) 358-1415
Year Founded
1871
FDIC Number
Website
Largest Affiliates
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