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 (4.3 on a scale of 0 to 10). A current level of 10.1 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Fair asset quality (4.2).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.2. Weak liquidity 1.0, driven by a liquidity ratio of 3.9 percent and a “hot money” ratio of 32.9 percent.
Asset Mix:
Home mtgs (38%), comm re (15%), securities (11%), consumer loans (8%), comm loans (7%), cash (4%), other (17%)
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
First Sandoval Bancorp, Inc.
Investment Rating
--
Address
302 North Main Street
Sandoval, IL 62882
Sandoval, IL 62882
Phone Number
(618) 247-3318
Year Founded
1910
FDIC Number
Largest Affiliates
No affiliate information available.