Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.1 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Cash (35%), home mtgs (16%), comm re (11%), securities (8%), comm loans (6%), home eq lns (3%), consumer loans (0%), other (21%)
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
Illinois Valley Bancorp, Inc.
Investment Rating
--
Address
201 Liberty Street
Morris, IL 60450
Morris, IL 60450
Phone Number
(815) 942-0130
Year Founded
1864
FDIC Number
Website
Largest Affiliates
No affiliate information available.