The Farmers State Bank and Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.9. 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:
A current level of 7.0 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Good asset quality (5.4). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (39%), comm re (15%), home mtgs (10%), comm loans (6%), home eq lns (5%), consumer loans (4%), cash (3%), 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 Holding Company
Investment Rating
--
Address
200 West State Street
Jacksonville, IL 62650
Jacksonville, IL 62650
Phone Number
(217) 479-4000
Year Founded
1911
FDIC Number
Website
Largest Affiliates
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