The First National Bank of Litchfield
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 11.8. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Home mtgs (16%), securities (15%), comm loans (9%), comm re (8%), cash (6%), consumer loans (3%), other (43%)
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 Montgomery Bancorp, Inc.
Investment Rating
--
Address
324 North State Street
Litchfield, IL 62056
Litchfield, IL 62056
Phone Number
(217) 324-2105
Year Founded
1860
FDIC Number
Website
Largest Affiliates
No affiliate information available.