Beardstown Savings, S.B.
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 20.7 and a capital leverage ratio of 10.6. A current level of 5.6 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Securities (38%), home mtgs (34%), comm re (9%), consumer loans (6%), cash (4%), comm 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
Investment Rating
--
Address
301 South State Street
Beardstown, IL 62618
Beardstown, IL 62618
Phone Number
(217) 323-1400
Year Founded
1880
FDIC Number
Website
Largest Affiliates
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