Major Rating Factors:
A current level of 13.4 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Fair asset quality (3.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Excellent (7.1) profitability.
Asset Mix:
Comm re (28%), home mtgs (24%), comm loans (18%), securities (6%), cash (2%), home eq lns (2%), consumer loans (1%), other (19%)
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
Farmers State Holding Corp.
Investment Rating
--
Address
55 Elm Street
Alto Pass, IL 62905
Alto Pass, IL 62905
Phone Number
(618) 252-2600
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.