| Weiss Ratings |
Flora Bank & Trust
Flora, IL |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 3.00 | |||
| 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 | 7.11% | |||
| 5-Year Asset Growth | 3.97% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.23% | |||
| Non-Performing Loans to Capital | 2.02% | |||
| Non-Performing Loans to Loans | 0.43% | |||
| Balance Sheet |
Flora Bank & Trust
Flora, IL |
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| Total Assets | 125.99M | |||
| Total Deposits | 117.22M | |||
| Capital and Reserves |
Flora Bank & Trust
Flora, IL |
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| Capital | 8.06M | |||
| Leverage Ratio | 8.94 | |||
| Loan Loss Reserves to Loans | 0.37% | |||
| Risk-Based Capital Ratio | 15.58 | |||
| Liquidity |
Flora Bank & Trust
Flora, IL |
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| Hot Money Ratio | 26.39% | |||
| Liquidity Ratio | 20.34% | |||
| Profitability |
Flora Bank & Trust
Flora, IL |
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| 5-Year Return on Average Assets | 0.52% | |||
| Net Income | 569.00K | |||
| Net Interest Spread | 2.86% | |||
| Operating Profit to Average Assets | 1.19% | |||
| Overhead Efficiency Ratio | 62.57% | |||
| Return on Assets | 0.91% | |||
| Return on Equity | 14.42% | |||