First Secure Community Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.3) profitability. A current level of 21.9 percent of nonperforming loans to core capital combined with 20.4 percent from a year earlier contributes to the Weak asset quality (1.0).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), comm loans (18%), consumer loans (16%), securities (12%), cash (9%), home mtgs (2%), other (12%)
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
First Secure Bank Group, Inc.
Investment Rating
--
Address
670 North Sugar Grove Parkway
Sugar Grove, IL 60554
Sugar Grove, IL 60554
Phone Number
(630) 466-3551
Year Founded
2000
FDIC Number
Website
Largest Affiliates
Palos Hills, IL
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Bank
Wonder Lake, IL
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Bank