Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (6.6). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Asset Mix:
Securities (18%), home mtgs (15%), comm loans (12%), comm re (12%), cash (3%), home eq lns (3%), consumer loans (1%), other (36%)
States with Branches:
IA
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
Ohnward Bancshares, Inc.
Investment Rating
--
Address
332 First Avenue West
Cascade, IA 52033
Cascade, IA 52033
Phone Number
(563) 852-7696
Year Founded
1903
FDIC Number
Website
Largest Affiliates
De Witt, IA
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Bank
Maquoketa, IA
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Bank