Major Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Fair asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.9. Good liquidity 5.1, driven by a liquidity ratio of 45.6 percent and a “hot money” ratio of 19.0 percent.
Asset Mix:
Securities (58%), comm re (12%), cash (9%), home mtgs (4%), comm loans (4%), consumer loans (1%), other (13%)
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.