Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (6.0) profitability. A current level of 9.4 percent of nonperforming loans to core capital combined with 14.9 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Securities (31%), comm re (27%), cash (14%), comm loans (12%), home eq lns (3%), consumer loans (2%), home mtgs (2%), other (10%)
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.