Major Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Securities (21%), comm loans (17%), comm re (15%), home mtgs (11%), cash (4%), home eq lns (2%), consumer loans (0%), other (30%)
States with Branches:
IL, WI
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
SV Financial, Inc.
Investment Rating
--
Address
201 West Third Street
Sterling, IL 61081
Sterling, IL 61081
Phone Number
(815) 626-5996
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.