Major Rating Factors:
Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.2 has resulted in Excellent (9.9) profitability. Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 10.7.
Other Rating Factors:
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). A current level of 7.6 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Securities (28%), comm loans (23%), comm re (12%), home mtgs (3%), cash (2%), home eq lns (2%), consumer loans (1%), other (29%)
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
People First Bancshares, Inc.
Investment Rating
--
Address
200 South Locust Street
Pana, IL 62557
Pana, IL 62557
Phone Number
(217) 562-2137
Year Founded
1954
FDIC Number
Website
Largest Affiliates
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