Alliance Community Bank
Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.1. A current level of 3.9 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (23%), home mtgs (18%), cash (11%), comm re (7%), comm loans (5%), consumer loans (3%), home eq lns (1%), other (32%)
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
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