Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 10.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (35%), home mtgs (18%), comm re (14%), cash (6%), home eq lns (2%), comm loans (1%), consumer loans (0%), other (24%)
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
F.N.B.C. of La Grange, Inc.
Investment Rating
--
Address
620 West Burlington Avenue
La Grange, IL 60525
La Grange, IL 60525
Phone Number
(708) 482-7700
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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