First Secure Bank and Trust Co.
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Fair (3.0) profitability. A current level of 29.8 percent of nonperforming loans to core capital combined with 44.0 percent from a year earlier contributes to the Very Weak asset quality (0.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), cash (19%), home mtgs (14%), comm loans (6%), securities (5%), consumer loans (2%), home eq lns (2%), other (15%)
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.