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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.6 and a capital leverage ratio of 11.3. A current level of 0.1 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Securities (34%), cash (34%), comm loans (6%), comm re (3%), consumer loans (2%), home mtgs (1%), other (21%)
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
Van Orin Bancorp, Inc.
Investment Rating
--
Address
27875 2600 East Street
Van Orin, IL 61374
Van Orin, IL 61374
Phone Number
(815) 638-2111
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.