Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.3 and a capital leverage ratio of 15.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.4 has resulted in Good (5.1) profitability. Fair liquidity 3.5, driven by a liquidity ratio of 50.0 percent and a “hot money” ratio of 34.0 percent.
Asset Mix:
Cash (40%), comm re (34%), comm loans (13%), securities (1%), home mtgs (1%), other (12%)
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
AmeriNational Community Services, LLC
Investment Rating
--
Address
300 East Northwest Highway
Palatine, IL 60067
Palatine, IL 60067
Phone Number
(847) 358-6262
Year Founded
1962
FDIC Number
Website
Largest Affiliates
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