Spring Valley City Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.1 and a capital leverage ratio of 13.9. A current level of 0.7 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (32%), home mtgs (16%), comm re (13%), comm loans (11%), cash (4%), consumer loans (2%), 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
Spring Valley Bancorp, Inc.
Investment Rating
--
Address
315 North Cornelia Street
Spring Valley, IL 61362
Spring Valley, IL 61362
Phone Number
(815) 663-2211
Year Founded
1905
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.