Peoples National Bank, National Association
Major Rating Factors:
A current level of 15.5 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 10.7 and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Asset Mix:
Comm re (31%), comm loans (19%), home mtgs (5%), securities (4%), cash (2%), home eq lns (1%), consumer loans (0%), other (38%)
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
Market Street Bancshares, Inc.
Investment Rating
--
Address
520 South 42nd Street
Mount Vernon, IL 62864
Mount Vernon, IL 62864
Phone Number
(618) 241-6500
Year Founded
1909
FDIC Number
Largest Affiliates
No affiliate information available.