| Weiss Ratings |
State Bank
Waterloo, IL |
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| Rating | ||||
| Asset Quality Index | 2.90 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 2.80 | |||
| Stability Index | 2.30 | |||
| Company Info |
State Bank
Waterloo, IL |
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| FDIC Number | 12706 | |||
| Phone Number | (618) 939-7194 | |||
| Website | www.sbw.bank | |||
| Asset Quality |
State Bank
Waterloo, IL |
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| 1-Year Asset Growth | -0.87% | |||
| 5-Year Asset Growth | 5.69% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 2.68% | |||
| Non-Performing Loans to Capital | 24.69% | |||
| Non-Performing Loans to Loans | 4.06% | |||
| Balance Sheet |
State Bank
Waterloo, IL |
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| Total Assets | 303.92M | |||
| Total Deposits | 260.72M | |||
| Capital and Reserves |
State Bank
Waterloo, IL |
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| Capital | 21.86M | |||
| Leverage Ratio | 8.80 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 11.35 | |||
| Liquidity |
State Bank
Waterloo, IL |
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| Hot Money Ratio | 28.67% | |||
| Liquidity Ratio | 20.38% | |||
| Profitability |
State Bank
Waterloo, IL |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 1.69M | |||
| Net Interest Spread | 2.91% | |||
| Operating Profit to Average Assets | 0.72% | |||
| Overhead Efficiency Ratio | 75.38% | |||
| Return on Assets | 0.56% | |||
| Return on Equity | 8.23% | |||