Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 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 13.0 and a capital leverage ratio of 8.5. A current level of 5.0 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Comm re (27%), securities (26%), comm loans (21%), home mtgs (8%), cash (2%), consumer loans (1%), home eq lns (1%), other (15%)
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
FGH Bancorp, Inc.
Investment Rating
--
Address
101 South Park Avenue
Herrin, IL 62948
Herrin, IL 62948
Phone Number
(618) 942-6666
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.