Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. A current level of 0.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.1).
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 (4.9 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 18.5 percent.
Asset Mix:
Securities (44%), home mtgs (11%), comm loans (10%), comm re (7%), cash (1%), home eq lns (1%), consumer loans (1%), other (26%)
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
Farmers State Bancorporation, Inc.
Investment Rating
--
Address
100 West Fourth Street
Hoffman, IL 62250
Hoffman, IL 62250
Phone Number
(618) 495-2225
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.