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 (3.7 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.7 has resulted in Excellent (9.5) profitability. Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.0.
Asset Mix:
Comm re (66%), comm loans (13%), cash (10%), securities (4%), home mtgs (3%), home eq lns (1%), other (3%)
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
Elgin Bancshares, Inc.
Investment Rating
--
Address
101 East Chicago Street
Elgin, IL 60120
Elgin, IL 60120
Phone Number
(847) 888-7500
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.