Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 20.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 6.3%, coupled with a return on assets of 4.8 has resulted in Excellent (7.8) profitability.
Asset Mix:
Cash (46%), home mtgs (20%), comm re (18%), securities (11%), comm loans (2%), other (3%)
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.