Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 6.5. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.8). Fair liquidity 4.4, driven by a liquidity ratio of 47.2 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Home mtgs (41%), cash (32%), comm re (1%), consumer loans (1%), home eq lns (1%), comm loans (1%), securities (1%), other (22%)
States with Branches:
IL, MO
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
Chester Bancorp, Inc.
Investment Rating
Address
1112 State Street
Chester, IL 62233
Chester, IL 62233
Phone Number
(618) 826-5038
Year Founded
1919
FDIC Number
Largest Affiliates
No affiliate information available.