| Weiss Ratings |
The First National Bank of Carmi
Carmi, IL |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 5.70 | |||
| Company Info |
The First National Bank of Carmi
Carmi, IL |
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| FDIC Number | 3777 | |||
| Phone Number | (618) 382-4118 | |||
| Website | www.myfirst.bank | |||
| Asset Quality |
The First National Bank of Carmi
Carmi, IL |
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| 1-Year Asset Growth | -0.95% | |||
| 5-Year Asset Growth | 7.66% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | -0.05% | |||
| Non-Performing Assets to Assets | 0.83% | |||
| Non-Performing Loans to Capital | 5.89% | |||
| Non-Performing Loans to Loans | 1.10% | |||
| Balance Sheet |
The First National Bank of Carmi
Carmi, IL |
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| Total Assets | 594.31M | |||
| Total Deposits | 521.05M | |||
| Capital and Reserves |
The First National Bank of Carmi
Carmi, IL |
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| Capital | 70.01M | |||
| Leverage Ratio | 11.00 | |||
| Loan Loss Reserves to Loans | 1.42% | |||
| Risk-Based Capital Ratio | 15.02 | |||
| Liquidity |
The First National Bank of Carmi
Carmi, IL |
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| Hot Money Ratio | 6.75% | |||
| Liquidity Ratio | 18.08% | |||
| Profitability |
The First National Bank of Carmi
Carmi, IL |
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| 5-Year Return on Average Assets | 0.88% | |||
| Net Income | 3.30M | |||
| Net Interest Spread | 4.14% | |||
| Operating Profit to Average Assets | 1.44% | |||
| Overhead Efficiency Ratio | 64.25% | |||
| Return on Assets | 1.09% | |||
| Return on Equity | 9.57% | |||