Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 13.3. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Comm re (56%), cash (13%), securities (5%), comm loans (5%), home mtgs (4%), home eq lns (2%), consumer loans (1%), other (14%)
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
Illinois State Bancorp, Inc.
Investment Rating
--
Address
7757 West Devon Avenue
Chicago, IL 60631
Chicago, IL 60631
Phone Number
(773) 594-5900
Year Founded
1976
FDIC Number
Website
Largest Affiliates
Bourbonnais, IL
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Bank