Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.7, driven by a liquidity ratio of 15.0 percent and a “hot money” ratio of 31.3 percent. A current level of 6.9 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Home mtgs (24%), securities (19%), comm re (7%), home eq lns (6%), comm loans (4%), cash (2%), consumer loans (0%), other (38%)
States with Branches:
IA, 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
Savanna-Thomson Investment, Inc.
Investment Rating
--
Address
302 Main St.
Savanna, IL 61074
Savanna, IL 61074
Phone Number
(815) 273-2261
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.