Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.1) profitability. A current level of 12.2 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Securities (25%), home mtgs (12%), comm loans (7%), comm re (6%), consumer loans (3%), home eq lns (2%), cash (1%), other (45%)
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.