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 (4.9 on a scale of 0 to 10). A current level of 11.9 percent of nonperforming loans to core capital combined with 14.6 percent from a year earlier contributes to the Fair asset quality (4.4).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.5. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.9 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (29%), comm re (19%), home mtgs (14%), cash (6%), comm loans (5%), home eq lns (3%), consumer loans (1%), other (23%)
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
Resource Bancshares, Inc.
Investment Rating
--
Address
555 Bethany Road
DeKalb, IL 60115
DeKalb, IL 60115
Phone Number
(815) 756-6321
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.