Village Bank & Trust, National Association
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). A current level of 1.8 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Excellent (9.7) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 9.9.
Asset Mix:
Comm loans (38%), consumer loans (16%), securities (11%), comm re (10%), cash (6%), home mtgs (6%), home eq lns (1%), other (13%)
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
234 West Northwest Highway
Arlington Heights, IL 60004
Arlington Heights, IL 60004
Phone Number
(847) 670-1000
Year Founded
1995
FDIC Number
Website
Largest Affiliates
Chicago, IL
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Bank
Lake Forest, IL
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Bank
Hinsdale, IL
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Bank
Northbrook, IL
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Bank
Barrington, IL
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Bank