The State Bank of Pearl City
Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.2. Fair liquidity 4.2, driven by a liquidity ratio of 35.4 percent and a “hot money” ratio of 21.6 percent.
Asset Mix:
Securities (29%), cash (27%), consumer loans (19%), home mtgs (14%), home eq lns (3%), comm re (3%), comm loans (1%), other (4%)
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
Pearl City Bancorp, Inc.
Investment Rating
--
Address
215 South Main Street
Pearl City, IL 61062
Pearl City, IL 61062
Phone Number
(815) 443-2725
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.