Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 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 19.1 and a capital leverage ratio of 11.4. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Comm re (31%), securities (19%), home mtgs (18%), cash (15%), comm loans (6%), home eq lns (4%), consumer loans (2%), 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.