| Weiss Ratings |
The Harvard State Bank
Harvard, IL |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 3.70 | |||
| Stability Index | 3.70 | |||
| Company Info |
The Harvard State Bank
Harvard, IL |
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| FDIC Number | 9079 | |||
| Phone Number | (815) 943-4400 | |||
| Website | www.webhsb.com | |||
| Asset Quality |
The Harvard State Bank
Harvard, IL |
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| 1-Year Asset Growth | 4.44% | |||
| 5-Year Asset Growth | 1.08% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.12% | |||
| Non-Performing Loans to Capital | 1.72% | |||
| Non-Performing Loans to Loans | 0.22% | |||
| Balance Sheet |
The Harvard State Bank
Harvard, IL |
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| Total Assets | 327.81M | |||
| Total Deposits | 291.12M | |||
| Capital and Reserves |
The Harvard State Bank
Harvard, IL |
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| Capital | 26.66M | |||
| Leverage Ratio | 8.86 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | 15.53 | |||
| Liquidity |
The Harvard State Bank
Harvard, IL |
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| Hot Money Ratio | 16.18% | |||
| Liquidity Ratio | 22.36% | |||
| Profitability |
The Harvard State Bank
Harvard, IL |
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| 5-Year Return on Average Assets | 0.60% | |||
| Net Income | 2.62M | |||
| Net Interest Spread | 2.89% | |||
| Operating Profit to Average Assets | 0.80% | |||
| Overhead Efficiency Ratio | 72.49% | |||
| Return on Assets | 0.79% | |||
| Return on Equity | 11.09% | |||