Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 19.5 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.1) profitability. Fair liquidity 4.1, driven by a liquidity ratio of 39.3 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Securities (33%), home mtgs (14%), comm loans (5%), comm re (5%), cash (4%), consumer loans (2%), other (37%)
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 Nokomis Bancorp, Inc.
Investment Rating
--
Address
122 West State Street
Nokomis, IL 62075
Nokomis, IL 62075
Phone Number
(217) 563-8311
Year Founded
1940
FDIC Number
Website
Largest Affiliates
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