Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability. A current level of 6.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (33%), comm loans (21%), securities (19%), cash (11%), home mtgs (7%), home eq lns (1%), other (8%)
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
American Community Financial, Inc.
Investment Rating
--
Address
1290 Lake Avenue
Woodstock, IL 60098
Woodstock, IL 60098
Phone Number
(815) 338-2300
Year Founded
2000
FDIC Number
Website
Largest Affiliates
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