Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.3) profitability.
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 (6.1 on a scale of 0 to 10). A current level of 9.9 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Fair asset quality (4.6).
Asset Mix:
Securities (23%), cash (11%), home mtgs (11%), comm loans (6%), comm re (5%), consumer loans (2%), home eq lns (2%), other (40%)
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
First Lena Corporation
Investment Rating
--
Address
102 West Main Street
Lena, IL 61048
Lena, IL 61048
Phone Number
(815) 369-4524
Year Founded
1880
FDIC Number
Website
Largest Affiliates
No affiliate information available.