Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 8.7.
Asset Mix:
Securities (44%), comm re (22%), home mtgs (10%), cash (7%), comm loans (5%), consumer loans (1%), other (11%)
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
LSBancorp, Inc.
Investment Rating
--
Address
654 First Street
La Salle, IL 61301
La Salle, IL 61301
Phone Number
(815) 223-8800
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.