Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.2 and a capital leverage ratio of 13.1. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.3 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5). 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:
Home mtgs (23%), securities (18%), cash (15%), consumer loans (5%), comm loans (4%), comm re (3%), other (32%)
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
Liberty Bancorporation, Inc.
Investment Rating
--
Address
1002 North Main Street
Liberty, IL 62347
Liberty, IL 62347
Phone Number
(217) 645-3434
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.