Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 3.7 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability.
Asset Mix:
Home mtgs (24%), securities (21%), comm re (9%), cash (7%), comm loans (7%), consumer loans (2%), home eq lns (1%), other (30%)
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
Tremont Bancorp, Inc.
Investment Rating
--
Address
134 South Sampson Street
Tremont, IL 61568
Tremont, IL 61568
Phone Number
(309) 925-2121
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.