Farmers State Bank of Alto Pass, Ill.
Major Rating Factors:
A current level of 20.2 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Weak asset quality (2.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (25%), comm re (24%), comm loans (19%), securities (6%), cash (4%), home eq lns (3%), consumer loans (1%), other (18%)
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
555 South Commercial Street
Harrisburg, IL 62946
Harrisburg, IL 62946
Phone Number
(618) 252-2600
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.