Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 5.4 percent of nonperforming loans to core capital combined with 15.2 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 35.2 percent.
Asset Mix:
Securities (45%), comm loans (12%), home mtgs (10%), comm re (5%), cash (2%), consumer loans (1%), other (25%)
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
Fairfield Bancshares, Inc.
Investment Rating
--
Address
220 East Main Street
Fairfield, IL 62837
Fairfield, IL 62837
Phone Number
(618) 842-2107
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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