| Weiss Ratings |
The FNB Community Bank
Vandalia, IL |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 5.60 | |||
| Stability Index | 6.20 | |||
| 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 | 2.64% | |||
| 5-Year Asset Growth | 3.74% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 4.07% | |||
| Non-Performing Loans to Loans | 0.16% | |||
| Balance Sheet |
The FNB Community Bank
Vandalia, IL |
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| Total Assets | 498.91M | |||
| Total Deposits | 423.12M | |||
| Capital and Reserves |
The FNB Community Bank
Vandalia, IL |
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| Capital | 49.86M | |||
| Leverage Ratio | 12.57 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | 18.85 | |||
| Liquidity |
The FNB Community Bank
Vandalia, IL |
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| Hot Money Ratio | 21.46% | |||
| Liquidity Ratio | 10.12% | |||
| Profitability |
The FNB Community Bank
Vandalia, IL |
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| 5-Year Return on Average Assets | 0.91% | |||
| Net Income | 3.19M | |||
| Net Interest Spread | 3.57% | |||
| Operating Profit to Average Assets | 1.66% | |||
| Overhead Efficiency Ratio | 58.94% | |||
| Return on Assets | 1.29% | |||
| Return on Equity | 13.04% | |||