First National Bank in Pinckneyville
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.1 and a capital leverage ratio of 12.9. Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.3 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (47%), home mtgs (28%), comm re (4%), consumer loans (4%), cash (4%), home eq lns (1%), comm loans (1%), other (11%)
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
First Perry Bancorp, Inc.
Investment Rating
--
Address
210 South Main Street
Pinckneyville, IL 62274
Pinckneyville, IL 62274
Phone Number
(618) 357-9393
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.