The State Bank of Pearl City
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A current level of 2.6 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 35.1 percent and a “hot money” ratio of 21.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Asset Mix:
Cash (29%), securities (26%), consumer loans (18%), home mtgs (13%), comm re (6%), home eq lns (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
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