Alliance Community Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.4) profitability.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 8.5.
Asset Mix:
Securities (29%), home mtgs (16%), comm re (7%), cash (5%), comm loans (5%), consumer loans (4%), home eq lns (1%), other (33%)
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
AC Bancorp, Inc.
Investment Rating
--
Address
321 North Sixth Street
Petersburg, IL 62675
Petersburg, IL 62675
Phone Number
(217) 632-3241
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.