Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.1) profitability. A current level of 14.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5).
Asset Mix:
Comm re (35%), comm loans (14%), cash (13%), securities (9%), home eq lns (5%), home mtgs (4%), consumer loans (2%), other (18%)
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
TC Financial Holdings, Inc.
Investment Rating
--
Address
1938 East Lincoln Highway
New Lenox, IL 60451
New Lenox, IL 60451
Phone Number
(815) 463-7038
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.