Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability. A current level of 15.0 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Fair asset quality (3.2).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (19%), comm loans (19%), home mtgs (17%), securities (9%), cash (4%), home eq lns (2%), consumer loans (1%), other (29%)
States with Branches:
IA, 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
First State Bancorporation, Inc.
Investment Rating
--
Address
9000 North Knoxville Avenue
Peoria, IL 61615
Peoria, IL 61615
Phone Number
(309) 966-4850
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.