Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 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 (2.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 8.9. A current level of 8.9 percent of nonperforming loans to core capital combined with 20.8 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Comm re (27%), securities (19%), cash (16%), home mtgs (12%), comm loans (4%), home eq lns (3%), consumer loans (1%), other (17%)
States with Branches:
IL, MO
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
SBW Bancshares, Inc.
Investment Rating
--
Address
885 North Illinois Route Three
Waterloo, IL 62298
Waterloo, IL 62298
Phone Number
(618) 939-7194
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.