Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 13.0 percent from a year earlier contributes to the Good asset quality (7.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Securities (32%), comm re (26%), comm loans (12%), cash (10%), home eq lns (3%), consumer loans (2%), home mtgs (2%), other (13%)
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
No affiliate information available.