First State Bank
| Weiss Ratings |
First State Bank
Monticello, IL |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 4.80 | |||
| Profitability Index | 8.10 | |||
| Stability Index | 5.20 | |||
| Company Info |
First State Bank
Monticello, IL |
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| FDIC Number | 16332 | |||
| Phone Number | (217) 762-9431 | |||
| Website | www.fsbcorp.com/ | |||
| Asset Quality |
First State Bank
Monticello, IL |
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| 1-Year Asset Growth | 4.73% | |||
| 5-Year Asset Growth | 15.11% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.12% | |||
| Non-Performing Assets to Assets | 0.38% | |||
| Non-Performing Loans to Capital | 2.10% | |||
| Non-Performing Loans to Loans | 0.99% | |||
| Balance Sheet |
First State Bank
Monticello, IL |
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| Total Assets | 508.24M | |||
| Total Deposits | 465.64M | |||
| Capital and Reserves |
First State Bank
Monticello, IL |
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| Capital | 38.57M | |||
| Leverage Ratio | 8.94 | |||
| Loan Loss Reserves to Loans | 1.15% | |||
| Risk-Based Capital Ratio | 23.14 | |||
| Liquidity |
First State Bank
Monticello, IL |
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| Hot Money Ratio | 15.12% | |||
| Liquidity Ratio | 41.60% | |||
| Profitability |
First State Bank
Monticello, IL |
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| 5-Year Return on Average Assets | 1.49% | |||
| Net Income | 2.17M | |||
| Net Interest Spread | 3.85% | |||
| Operating Profit to Average Assets | 1.75% | |||
| Overhead Efficiency Ratio | 60.03% | |||
| Return on Assets | 1.75% | |||
| Return on Equity | 23.09% | |||