Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Comm re (32%), comm loans (18%), securities (14%), home mtgs (6%), cash (2%), home eq lns (1%), consumer loans (1%), other (26%)
States with Branches:
IL, MO, TX, WI
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
First Mid Bancshares, Inc.
Investment Rating
Address
1515 Charleston Avenue
Mattoon, IL 61938
Mattoon, IL 61938
Phone Number
(217) 234-7454
Year Founded
1865
FDIC Number
Website
Largest Affiliates
No affiliate information available.