| Weiss Ratings |
State Bank
Waterloo, IL |
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| Rating | ||||
| Asset Quality Index | 5.10 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 2.60 | |||
| 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 | -5.85% | |||
| 5-Year Asset Growth | 11.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 1.15% | |||
| Non-Performing Loans to Capital | 8.92% | |||
| Non-Performing Loans to Loans | 1.90% | |||
| Balance Sheet |
State Bank
Waterloo, IL |
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| Total Assets | 305.73M | |||
| Total Deposits | 259.88M | |||
| Capital and Reserves |
State Bank
Waterloo, IL |
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| Capital | 20.11M | |||
| Leverage Ratio | 8.94 | |||
| Loan Loss Reserves to Loans | 1.34% | |||
| Risk-Based Capital Ratio | 11.95 | |||
| Liquidity |
State Bank
Waterloo, IL |
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| Hot Money Ratio | 28.51% | |||
| Liquidity Ratio | 26.05% | |||
| Profitability |
State Bank
Waterloo, IL |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 934.00K | |||
| Net Interest Spread | 2.67% | |||
| Operating Profit to Average Assets | 0.81% | |||
| Overhead Efficiency Ratio | 75.26% | |||
| Return on Assets | 0.62% | |||
| Return on Equity | 9.54% | |||