Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 13.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability. A current level of 3.5 percent of nonperforming loans to core capital combined with 16.6 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Comm loans (24%), comm re (20%), securities (16%), cash (15%), home mtgs (4%), home eq lns (1%), other (20%)
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
Republic Bancorp Co.
Investment Rating
--
Address
2221 Camden Court
Oak Brook, IL 60523
Oak Brook, IL 60523
Phone Number
(630) 570-7700
Year Founded
1964
FDIC Number
Website
Largest Affiliates
No affiliate information available.