Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.0) profitability. A current level of 7.9 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Securities (36%), comm loans (16%), home mtgs (11%), comm re (5%), cash (5%), consumer loans (1%), other (26%)
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
No affiliate information available.