Major Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (63%), cash (8%), consumer loans (3%), comm loans (1%), securities (0%), other (25%)
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
National Bancorp Holdings, Inc.
Investment Rating
--
Address
4120 West Diversey Avenue
Chicago, IL 60639
Chicago, IL 60639
Phone Number
(312) 738-6000
Year Founded
2000
FDIC Number
Largest Affiliates
No affiliate information available.