Bank of Springfield
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.9 and a capital leverage ratio of 9.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability. A current level of 13.2 percent of nonperforming loans to core capital combined with 15.1 percent from a year earlier contributes to the Fair asset quality (4.2).
Asset Mix:
Comm re (19%), home mtgs (17%), comm loans (17%), cash (10%), securities (5%), home eq lns (2%), consumer loans (0%), other (29%)
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
Spring Bancorp, Inc.
Investment Rating
--
Address
2600 Stevenson Drive
Springfield, IL 62703
Springfield, IL 62703
Phone Number
(217) 529-5555
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.