Community State Bank of Rock Falls
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability. A current level of 23.9 percent of nonperforming loans to core capital combined with 21.9 percent from a year earlier contributes to the Fair asset quality (3.2).
Asset Mix:
Home mtgs (27%), securities (23%), comm loans (10%), cash (5%), comm re (5%), home eq lns (2%), consumer loans (2%), other (28%)
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
Community Illinois Corporation
Investment Rating
--
Address
1801 First Avenue
Rock Falls, IL 61071
Rock Falls, IL 61071
Phone Number
(815) 625-1110
Year Founded
1975
FDIC Number
Website
Largest Affiliates
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