Major Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 7.9. Weak liquidity 2.1, driven by a liquidity ratio of 18.1 percent and a “hot money” ratio of 33.4 percent.
Asset Mix:
Home mtgs (23%), securities (21%), home eq lns (6%), comm re (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.