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 24.5 and a capital leverage ratio of 13.8. A current level of 0.8 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (7.6).
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 (6.5 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 27.1 percent and a “hot money” ratio of 19.1 percent.
Asset Mix:
Securities (29%), home mtgs (16%), comm re (12%), comm loans (11%), cash (8%), consumer loans (2%), other (22%)
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
No affiliate information available.