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 (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 9.4.
Other 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 (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.8) profitability.
Asset Mix:
Securities (46%), cash (13%), comm re (4%), home mtgs (4%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (27%)
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
First Community Bancshares Corp.
Investment Rating
--
Address
215 East Main Street
Anamosa, IA 52205
Anamosa, IA 52205
Phone Number
(319) 462-3561
Year Founded
1906
FDIC Number
Website
Largest Affiliates
Milton, WI
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Bank