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 (5.0 on a scale of 0 to 10). Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 11.9 and a capital leverage ratio of 9.6.
Other Rating Factors:
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. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Comm loans (28%), securities (14%), comm re (11%), consumer loans (9%), home mtgs (7%), cash (4%), home eq lns (1%), other (26%)
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
25 East First Street
Hinsdale, IL 60521
Hinsdale, IL 60521
Phone Number
(630) 323-4404
Year Founded
1993
FDIC Number
Website
Largest Affiliates
Chicago, IL
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Bank
Lake Forest, IL
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Bank
Northbrook, IL
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Bank
Barrington, IL
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Bank
Hartland, WI
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Bank