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 (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 10.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 32.1 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Securities (39%), home mtgs (7%), cash (7%), comm re (6%), comm loans (4%), 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.