Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.3 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.1). 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:
Comm re (27%), cash (22%), home mtgs (17%), securities (9%), comm loans (3%), home eq lns (1%), consumer loans (0%), other (20%)
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
ServBanc Holdco, Inc.
Investment Rating
--
Address
3201 Orchard Road
Oswego, IL 60543
Oswego, IL 60543
Phone Number
(630) 554-8899
Year Founded
1994
FDIC Number
Website
Largest Affiliates
No affiliate information available.