| Weiss Ratings |
The FNB Community Bank
Vandalia, IL |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 3.70 | |||
| Stability Index | 5.50 | |||
| Company Info |
The FNB Community Bank
Vandalia, IL |
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| FDIC Number | 3840 | |||
| Phone Number | (618) 283-1141 | |||
| Website | www.thefnb.com | |||
| Asset Quality |
The FNB Community Bank
Vandalia, IL |
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| 1-Year Asset Growth | -0.86% | |||
| 5-Year Asset Growth | 6.39% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.16% | |||
| Non-Performing Loans to Capital | 0.57% | |||
| Non-Performing Loans to Loans | 0.25% | |||
| Balance Sheet |
The FNB Community Bank
Vandalia, IL |
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| Total Assets | 474.81M | |||
| Total Deposits | 426.68M | |||
| Capital and Reserves |
The FNB Community Bank
Vandalia, IL |
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| Capital | 41.72M | |||
| Leverage Ratio | 12.22 | |||
| Loan Loss Reserves to Loans | 1.17% | |||
| Risk-Based Capital Ratio | 19.31 | |||
| Liquidity |
The FNB Community Bank
Vandalia, IL |
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| Hot Money Ratio | 20.44% | |||
| Liquidity Ratio | 18.84% | |||
| Profitability |
The FNB Community Bank
Vandalia, IL |
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| 5-Year Return on Average Assets | 0.96% | |||
| Net Income | 726.00K | |||
| Net Interest Spread | 2.97% | |||
| Operating Profit to Average Assets | 0.79% | |||
| Overhead Efficiency Ratio | 69.81% | |||
| Return on Assets | 0.62% | |||
| Return on Equity | 7.15% | |||