Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 14.4. A current level of 3.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Asset Mix:
Securities (28%), home mtgs (14%), comm loans (10%), comm re (5%), consumer loans (3%), cash (3%), other (37%)
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
Ashton Bancshares, Inc.
Investment Rating
--
Address
317 Third Street
Ashton, IA 51232
Ashton, IA 51232
Phone Number
(712) 724-6326
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.