Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). A current level of 33.1 percent of nonperforming loans to core capital combined with 14.6 percent from a year earlier contributes to the Fair asset quality (3.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 41.2 and a capital leverage ratio of 15.7. Good liquidity 5.9, driven by a liquidity ratio of 68.6 percent and a “hot money” ratio of 22.6 percent.
Asset Mix:
Securities (68%), cash (9%), comm loans (5%), consumer loans (3%), comm re (0%), other (15%)
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
Lowden Bancshares, Inc.
Investment Rating
--
Address
309 McKinley Avenue
Lowden, IA 52255
Lowden, IA 52255
Phone Number
(563) 941-5391
Year Founded
1913
FDIC Number
Website
Largest Affiliates
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