Major Rating Factors:
A current level of 17.1 percent of nonperforming loans to core capital combined with 12.8 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 14.2. 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 (65%), cash (3%), comm loans (1%), consumer loans (1%), securities (0%), other (29%)
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.