Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 10.3. A current level of 0.8 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
Asset Mix:
Securities (39%), comm re (20%), cash (15%), comm loans (11%), home mtgs (8%), home eq lns (1%), consumer loans (0%), other (7%)
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
LaSalle Bancorp, Inc.
Investment Rating
--
Address
260 Bucklin Street
La Salle, IL 61301
La Salle, IL 61301
Phone Number
(815) 223-7300
Year Founded
1880
FDIC Number
Website
Largest Affiliates
No affiliate information available.