The First Bank and Trust Company of Murphysboro
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10). A current level of 20.5 percent of nonperforming loans to core capital combined with 24.5 percent from a year earlier contributes to the Weak asset quality (2.2).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.4. Weak liquidity 2.8, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 15.8 percent.
Asset Mix:
Home mtgs (23%), securities (23%), comm re (13%), comm loans (7%), cash (6%), consumer loans (5%), home eq lns (1%), other (21%)
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 of Murphysboro Corp.
Investment Rating
--
Address
1403 Walnut Street
Murphysboro, IL 62966
Murphysboro, IL 62966
Phone Number
(618) 687-1711
Year Founded
1889
FDIC Number
Website
Largest Affiliates
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