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 Very Weak (1.0) profitability. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (37%), comm loans (17%), securities (8%), cash (8%), home eq lns (6%), home mtgs (4%), consumer loans (1%), 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
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