First Secure Bank and Trust Co.
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.5) profitability. A current level of 40.8 percent of nonperforming loans to core capital combined with 14.9 percent from a year earlier contributes to the Very Weak asset quality (0.4).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Comm re (33%), cash (21%), home mtgs (15%), comm loans (7%), securities (5%), home eq lns (2%), consumer loans (2%), other (16%)
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 Secure Bank Group, Inc.
Investment Rating
--
Address
10360 South Roberts Road
Palos Hills, IL 60465
Palos Hills, IL 60465
Phone Number
(708) 430-5000
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.