Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 2.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.6).
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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (32%), comm re (14%), comm loans (7%), home mtgs (7%), cash (3%), consumer loans (3%), home eq lns (1%), other (33%)
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 National Bancorporation in Carlyle, Inc.
Investment Rating
--
Address
891 Fairfax Street
Carlyle, IL 62231
Carlyle, IL 62231
Phone Number
(618) 594-2491
Year Founded
1878
FDIC Number
Website
Largest Affiliates
No affiliate information available.