Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 9.5.
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 (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability.
Asset Mix:
Home mtgs (28%), cash (27%), securities (14%), comm re (10%), consumer loans (3%), comm loans (2%), other (16%)
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
No affiliate information available.