Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Home mtgs (24%), comm re (22%), securities (10%), comm loans (5%), cash (3%), home eq lns (2%), consumer loans (0%), other (34%)
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
Tri-County Financial Group, Inc.
Investment Rating
Address
706 Washington Street
Mendota, IL 61342
Mendota, IL 61342
Phone Number
(815) 538-2265
Year Founded
1940
FDIC Number
Website
Largest Affiliates
No affiliate information available.