Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 9.7.
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 (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (27%), cash (27%), securities (15%), comm re (10%), consumer loans (3%), comm loans (2%), 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
BCC Bancshares, Inc.
Investment Rating
--
Address
204 Main Street
Hardin, IL 62047
Hardin, IL 62047
Phone Number
(618) 576-2211
Year Founded
1898
FDIC Number
Largest Affiliates
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