Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 11.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). A current level of 2.3 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Comm re (38%), cash (18%), securities (9%), comm loans (6%), home mtgs (5%), home eq lns (2%), other (22%)
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
PFB Holding Company
Investment Rating
--
Address
3100 Theodore Street
Joliet, IL 60435
Joliet, IL 60435
Phone Number
(815) 207-6200
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.