Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.2) profitability.
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Good asset quality (5.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Securities (33%), home mtgs (23%), comm re (10%), consumer loans (7%), cash (6%), comm loans (5%), other (15%)
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 Community Bancshares
Investment Rating
--
Address
260 Front Street
Xenia, IL 62899
Xenia, IL 62899
Phone Number
(618) 678-2202
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.