Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.9). Operating profits as a percentage of assets at 7.4%, coupled with a return on assets of 5.5 has resulted in Excellent (7.8) profitability.
Asset Mix:
Cash (40%), securities (34%), home mtgs (18%), comm re (1%), comm loans (1%), other (6%)
States with Branches:
IL
Corporate Info
ServBanc Holdco, Inc.
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3201 Orchard Road
Oswego, IL 60543
Oswego, IL 60543
(630) 554-8899
1994
Largest Affiliates
No affiliate information available.