| Weiss Ratings |
Flora Bank & Trust
Flora, IL |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 2.20 | |||
| Company Info |
Flora Bank & Trust
Flora, IL |
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| FDIC Number | 22598 | |||
| Phone Number | (618) 662-4441 | |||
| Website | www.fbandtbank.com | |||
| Asset Quality |
Flora Bank & Trust
Flora, IL |
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| 1-Year Asset Growth | 1.80% | |||
| 5-Year Asset Growth | 3.97% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.24% | |||
| Non-Performing Loans to Capital | 1.76% | |||
| Non-Performing Loans to Loans | 0.46% | |||
| Balance Sheet |
Flora Bank & Trust
Flora, IL |
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| Total Assets | 119.83M | |||
| Total Deposits | 111.56M | |||
| Capital and Reserves |
Flora Bank & Trust
Flora, IL |
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| Capital | 7.84M | |||
| Leverage Ratio | 9.25 | |||
| Loan Loss Reserves to Loans | 0.37% | |||
| Risk-Based Capital Ratio | 15.11 | |||
| Liquidity |
Flora Bank & Trust
Flora, IL |
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| Hot Money Ratio | 25.11% | |||
| Liquidity Ratio | 18.43% | |||
| Profitability |
Flora Bank & Trust
Flora, IL |
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| 5-Year Return on Average Assets | 0.55% | |||
| Net Income | 590.00K | |||
| Net Interest Spread | 2.42% | |||
| Operating Profit to Average Assets | 0.66% | |||
| Overhead Efficiency Ratio | 75.93% | |||
| Return on Assets | 0.50% | |||
| Return on Equity | 8.65% | |||