Major Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital combined with 21.8 percent from a year earlier contributes to the Weak asset quality (2.7). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Comm re (15%), comm loans (14%), home mtgs (14%), securities (12%), cash (11%), consumer loans (4%), home eq lns (1%), other (30%)
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
First Neighborhood Bancshares, Inc.
Investment Rating
--
Address
201 North Meridian Street
Toledo, IL 62468
Toledo, IL 62468
Phone Number
(217) 849-2701
Year Founded
1890
FDIC Number
Website
Largest Affiliates
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