Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (52%), home mtgs (10%), cash (5%), comm re (4%), comm loans (3%), consumer loans (1%), home eq lns (1%), other (23%)
States with Branches:
IL
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
Amboy Bancorp, Inc.
Investment Rating
--
Address
220 East Main Street
Amboy, IL 61310
Amboy, IL 61310
Phone Number
(815) 857-3625
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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