Major Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 7.9. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability.
Asset Mix:
Home mtgs (39%), comm re (16%), securities (9%), consumer loans (7%), cash (7%), comm loans (5%), other (16%)
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.