Major Rating Factors:
A current level of 20.0 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Weak asset quality (2.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.3) profitability. Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.5.
Asset Mix:
Home mtgs (26%), comm re (24%), comm loans (18%), securities (6%), cash (3%), 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
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