Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 20.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Good (6.8) profitability.
Asset Mix:
Securities (25%), cash (10%), comm loans (9%), home mtgs (8%), comm re (5%), consumer loans (2%), other (41%)
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
Liberty Bancorporation
Investment Rating
--
Address
502 Eighth Avenue
Durant, IA 52747
Durant, IA 52747
Phone Number
(563) 785-4441
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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