St. Charles Bank & Trust Company, National Association
Major Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.3 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Comm loans (35%), consumer loans (17%), comm re (14%), securities (12%), home mtgs (5%), cash (3%), home eq lns (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
Wintrust Financial Corporation
Investment Rating
Address
411 West Main Street
Saint Charles, IL 60174
Saint Charles, IL 60174
Phone Number
(630) 377-9500
Year Founded
1987
FDIC Number
Website
Largest Affiliates
Chicago, IL
-
Bank
Lake Forest, IL
-
Bank
Hinsdale, IL
-
Bank
Northbrook, IL
-
Bank
Barrington, IL
-
Bank