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 (5.0 on a scale of 0 to 10). A current level of 2.4 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.5 has resulted in Excellent (9.0) profitability.
Asset Mix:
Comm re (55%), cash (26%), comm loans (5%), home mtgs (4%), home eq lns (2%), other (7%)
States with Branches:
FL, 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
Premier Commerce Bancorp, Inc.
Investment Rating
--
Address
500 South County Farm Road
Wheaton, IL 60187
Wheaton, IL 60187
Phone Number
(630) 580-1520
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.