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 (5.0 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.8.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Asset Mix:
Comm loans (35%), securities (18%), consumer loans (12%), comm re (10%), home mtgs (6%), cash (4%), home eq lns (1%), other (15%)
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
Wintrust Financial Corporation
Investment Rating
Address
20012 Wolf Road
Mokena, IL 60448
Mokena, IL 60448
Phone Number
(708) 478-4447
Year Founded
2006
FDIC Number
Website
Largest Affiliates
Chicago, IL
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Bank
Lake Forest, IL
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Bank
Hinsdale, IL
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Bank
Northbrook, IL
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Bank
Barrington, IL
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Bank