Beardstown Savings, S.B.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 and a capital leverage ratio of 11.0. A current level of 9.4 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Fair asset quality (4.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Securities (36%), home mtgs (36%), consumer loans (6%), comm re (5%), cash (4%), comm loans (3%), other (9%)
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
No affiliate information available.