First Federal Savings and Loan Association of Central Illinois, S.B.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 10.7. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Comm re (24%), home mtgs (23%), securities (16%), comm loans (9%), cash (7%), consumer loans (5%), home eq lns (2%), 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
Investment Rating
--
Address
200 North Morgan Street
Shelbyville, IL 62565
Shelbyville, IL 62565
Phone Number
(217) 774-3322
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.