Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 36.4 percent. A current level of 17.0 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Fair asset quality (3.5).
Asset Mix:
Comm loans (25%), securities (18%), home mtgs (18%), comm re (13%), cash (10%), consumer loans (6%), other (10%)
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
Preferred Bancorp, Inc.
Investment Rating
--
Address
602 North Route 49
Casey, IL 62420
Casey, IL 62420
Phone Number
(217) 932-2265
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.