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 22.9 and a capital leverage ratio of 11.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.3 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (43%), home mtgs (33%), comm re (5%), consumer loans (4%), cash (1%), home eq lns (1%), comm loans (1%), other (12%)
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
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