Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 11.8. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Comm re (34%), home mtgs (19%), securities (17%), cash (11%), comm loans (5%), home eq lns (4%), consumer loans (3%), other (7%)
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
Geneva Bancshares, Inc.
Investment Rating
--
Address
22 South Fourth Street
Geneva, IL 60134
Geneva, IL 60134
Phone Number
(630) 232-3200
Year Founded
1889
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.