Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.0 and a capital leverage ratio of 15.7. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.4).
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 (7.2 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 46.8 percent and a “hot money” ratio of 23.0 percent.
Asset Mix:
Securities (34%), home mtgs (31%), cash (13%), comm re (10%), comm loans (2%), consumer loans (2%), other (7%)
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
PFS Bancorp, Inc.
Investment Rating
--
Address
1730 Fourth Street
Peru, IL 61354
Peru, IL 61354
Phone Number
(815) 223-4300
Year Founded
1887
FDIC Number
Largest Affiliates
No affiliate information available.