Williamsville State Bank and Trust
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 41.0 and a capital leverage ratio of 14.2. A current level of 6.7 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.0).
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 (5.8 on a scale of 0 to 10). Good liquidity 5.7, driven by a liquidity ratio of 62.9 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Securities (46%), home mtgs (19%), consumer loans (4%), comm loans (2%), cash (2%), home eq lns (1%), comm re (0%), 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
WSB Financial Ltd.
Investment Rating
--
Address
512 West Main Street
Williamsville, IL 62693
Williamsville, IL 62693
Phone Number
(217) 698-9728
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.