First National Bank
Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 9.5. A current level of 3.6 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 44.8 percent and a “hot money” ratio of 4.8 percent.
Asset Mix:
Securities (27%), home mtgs (19%), cash (15%), comm re (12%), comm loans (5%), home eq lns (3%), consumer loans (1%), other (18%)
States with Branches:
IN
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 National Bank Corp.
Investment Rating
--
Address
302 South Main Street
Cloverdale, IN 46120
Cloverdale, IN 46120
Phone Number
(888) 277-6429
Year Founded
1913
FDIC Number
Website
Largest Affiliates
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