| Weiss Ratings |
State Bank
Waterloo, IL |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 1.10 | |||
| Stability Index | 2.40 | |||
| 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 | -3.75% | |||
| 5-Year Asset Growth | 11.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.15% | |||
| Non-Performing Assets to Assets | 1.01% | |||
| Non-Performing Loans to Capital | 6.35% | |||
| Non-Performing Loans to Loans | 1.73% | |||
| Balance Sheet |
State Bank
Waterloo, IL |
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| Total Assets | 301.09M | |||
| Total Deposits | 255.94M | |||
| Capital and Reserves |
State Bank
Waterloo, IL |
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| Capital | 19.53M | |||
| Leverage Ratio | 8.69 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | 12.12 | |||
| Liquidity |
State Bank
Waterloo, IL |
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| Hot Money Ratio | 27.76% | |||
| Liquidity Ratio | 26.91% | |||
| Profitability |
State Bank
Waterloo, IL |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 95.00K | |||
| Net Interest Spread | 2.44% | |||
| Operating Profit to Average Assets | 0.12% | |||
| Overhead Efficiency Ratio | 91.60% | |||
| Return on Assets | 0.13% | |||
| Return on Equity | 1.97% | |||