Major Rating Factors:
A current level of 11.7 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Fair asset quality (3.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 9.2. Weak liquidity 2.4, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 26.7 percent.
Asset Mix:
Comm re (29%), securities (18%), home mtgs (13%), cash (7%), home eq lns (5%), comm loans (5%), consumer loans (1%), other (23%)
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
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