Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 11.6. A current level of 0.6 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (6.9 on a scale of 0 to 10). Fair liquidity 3.0, driven by a liquidity ratio of 35.5 percent and a “hot money” ratio of 34.2 percent.
Asset Mix:
Comm re (31%), securities (19%), home mtgs (17%), cash (16%), comm loans (6%), home eq lns (4%), consumer loans (1%), other (5%)
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
No affiliate information available.