Heritage Bank of Schaumburg
Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 22.9 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.4). Fair liquidity 4.1, driven by a liquidity ratio of 48.4 percent and a “hot money” ratio of 18.5 percent.
Asset Mix:
Securities (29%), cash (12%), home mtgs (11%), comm loans (2%), comm re (2%), home eq lns (1%), other (43%)
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
Schaumburg Bancshares, Inc.
Investment Rating
--
Address
1535 West Schaumburg Road
Schaumburg, IL 60194
Schaumburg, IL 60194
Phone Number
(847) 524-4000
Year Founded
1974
FDIC Number
Website
Largest Affiliates
No affiliate information available.