Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 16.4 percent from a year earlier contributes to the Good asset quality (5.1). Good liquidity 5.0, driven by a liquidity ratio of 44.3 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Securities (60%), comm re (12%), cash (7%), home mtgs (5%), comm loans (4%), consumer loans (1%), other (12%)
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
No affiliate information available.