Alliance Community Bank
Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 8.8.
Other 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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (27%), home mtgs (17%), comm re (7%), cash (6%), comm loans (5%), consumer loans (4%), home eq lns (1%), other (34%)
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.