First Federal Savings and Loan Association of Central Illinois, S.B.
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 10.7. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (6.3) profitability.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.1). 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).
Asset Mix:
Home mtgs (24%), comm re (24%), securities (19%), comm loans (9%), consumer loans (5%), cash (4%), 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.