First National Bank & Trust
Major 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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 9.5. Fair liquidity 3.3, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 13.4 percent.
Asset Mix:
Securities (34%), comm re (20%), home mtgs (13%), comm loans (8%), cash (4%), home eq lns (4%), consumer loans (3%), other (13%)
States with Branches:
MI
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
FNB Bancshares, Inc.
Investment Rating
--
Address
233 South Stephenson Avenue
Iron Mountain, MI 49801
Iron Mountain, MI 49801
Phone Number
(906) 774-2200
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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