Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 25.2. A current level of 3.5 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.4).
Other 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 (7.3 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 59.1 percent and a “hot money” ratio of 28.3 percent.
Asset Mix:
Home mtgs (41%), securities (28%), cash (18%), home eq lns (3%), comm re (1%), comm loans (0%), consumer loans (0%), other (9%)
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
NSTS Bancorp, Inc.
Investment Rating
--
Address
700 South Lewis Avenue
Waukegan, IL 60085
Waukegan, IL 60085
Phone Number
(847) 336-4430
Year Founded
1921
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.