First Federal Savings and Loan Association of Central Illinois, S.B.
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability. A current level of 4.7 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), home mtgs (22%), securities (16%), comm loans (8%), cash (6%), consumer loans (5%), home eq lns (2%), other (17%)
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
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