First State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (8.1) profitability. A current level of 2.1 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 23.1 and a capital leverage ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Securities (32%), cash (29%), home mtgs (12%), comm re (7%), comm loans (2%), home eq lns (2%), consumer loans (1%), other (14%)
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 State Bancorp of Monticello, Inc. ESOP
Investment Rating
--
Address
201 West Main Street
Monticello, IL 61856
Monticello, IL 61856
Phone Number
(217) 762-9431
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.