Providence Bank & Trust
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Good (5.5) profitability.
Asset Mix:
Comm re (36%), cash (15%), securities (12%), comm loans (9%), home mtgs (3%), home eq lns (2%), consumer loans (0%), other (23%)
States with Branches:
IL, IN
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
Providence Financial Corporation
Investment Rating
--
Address
630 East 162nd Street
South Holland, IL 60473
South Holland, IL 60473
Phone Number
(708) 333-0700
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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