Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
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). A current level of 15.2 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Fair asset quality (4.0).
Asset Mix:
Comm loans (28%), comm re (26%), securities (19%), cash (14%), consumer loans (2%), home mtgs (1%), home eq lns (1%), other (9%)
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
Signature Bancorporation, Inc.
Investment Rating
--
Address
9450 W. Bryn Mawr
Rosemont, IL 60018
Rosemont, IL 60018
Phone Number
(847) 268-1001
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.