Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 3.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), cash (16%), comm re (14%), securities (11%), comm loans (8%), home eq lns (3%), consumer loans (1%), other (27%)
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.