Major Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.7. 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 re (16%), comm loans (16%), home mtgs (10%), cash (2%), home eq lns (2%), consumer loans (0%), other (33%)
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.