Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.1) profitability. A current level of 2.4 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.6 and a capital leverage ratio of 24.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), home mtgs (29%), cash (9%), other (30%)
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
Investment Rating
--
Address
1601 West Belmont Avenue
Chicago, IL 60657
Chicago, IL 60657
Phone Number
(773) 528-0010
Year Founded
1893
FDIC Number
Largest Affiliates
No affiliate information available.