Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 8.6.
Asset Mix:
Home mtgs (22%), comm re (22%), securities (21%), comm loans (6%), cash (4%), home eq lns (3%), consumer loans (1%), other (21%)
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
Holcomb Bancorp, Inc.
Investment Rating
--
Address
233 East Illinois Route 38
Rochelle, IL 61068
Rochelle, IL 61068
Phone Number
(815) 562-3838
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.