United Trust Bank
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 (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (67%), cash (11%), comm re (6%), home eq lns (3%), consumer loans (2%), comm loans (2%), other (9%)
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
United Bancorp, Inc.
Investment Rating
--
Address
12330 South Harlem Avenue
Palos Heights, IL 60463
Palos Heights, IL 60463
Phone Number
(708) 728-9900
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.