Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.9) profitability. Fair liquidity 3.8, driven by a liquidity ratio of 29.4 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Securities (38%), home mtgs (8%), cash (7%), comm re (6%), comm loans (5%), consumer loans (1%), home eq lns (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
Talen, Inc.
Investment Rating
--
Address
611 Second Street
Traer, IA 50675
Traer, IA 50675
Phone Number
(319) 478-2148
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.