Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability.
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (16%), home mtgs (16%), comm re (15%), comm loans (11%), home eq lns (4%), consumer loans (2%), cash (1%), other (34%)
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