Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.5. A current level of 0.0 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Securities (33%), comm re (22%), cash (14%), comm loans (12%), home eq lns (3%), home mtgs (2%), consumer loans (1%), other (12%)
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 Community Bancorp, Inc.
Investment Rating
--
Address
1111 Dixie Highway
Beecher, IL 60401
Beecher, IL 60401
Phone Number
(708) 946-2246
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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