American Eagle Bank
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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.6) profitability.
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 10.6 and a capital leverage ratio of 9.1. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (46%), comm re (12%), cash (11%), home mtgs (6%), securities (1%), comm loans (0%), other (25%)
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
Orchid Financial Bancorp, Inc.
Investment Rating
--
Address
556 Randall Road
South Elgin, IL 60177
South Elgin, IL 60177
Phone Number
(847) 742-7400
Year Founded
2002
FDIC Number
Website
Largest Affiliates
No affiliate information available.