The Litchfield National Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 8.9. A current level of 5.5 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (32%), home mtgs (27%), comm re (8%), cash (5%), consumer loans (4%), comm loans (2%), other (22%)
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
Litchfield Bancshares Company
Investment Rating
--
Address
316 North State Street
Litchfield, IL 62056
Litchfield, IL 62056
Phone Number
(217) 324-6161
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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