Farmers State Bank of Alto Pass, Ill.
Major Rating Factors:
A current level of 12.0 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Fair asset quality (4.0). 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:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.5. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Asset Mix:
Home mtgs (24%), comm re (23%), comm loans (21%), securities (6%), cash (3%), home eq lns (3%), 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
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.