Community First Bank of the Heartland
Major 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 (5.7 on a scale of 0 to 10). A current level of 2.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.1) profitability. Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.1.
Asset Mix:
Comm loans (30%), securities (18%), comm re (15%), home mtgs (6%), cash (5%), home eq lns (1%), consumer loans (0%), other (25%)
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
Cedar Bancorp, Inc.
Investment Rating
--
Address
117 North 10th Street
Mount Vernon, IL 62864
Mount Vernon, IL 62864
Phone Number
(618) 244-3000
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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