Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 48.2 percent and a “hot money” ratio of 20.6 percent. A current level of 15.1 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Securities (61%), comm re (11%), cash (8%), home mtgs (5%), comm loans (4%), consumer loans (1%), other (11%)
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
Peoples Financial Corp. of Illinois, Inc.
Investment Rating
--
Address
207 North Tremont Street
Kewanee, IL 61443
Kewanee, IL 61443
Phone Number
(309) 853-3333
Year Founded
1928
FDIC Number
Website
Largest Affiliates
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