Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A current level of 2.3 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.1).
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 (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (21%), securities (16%), cash (7%), comm re (4%), consumer loans (3%), comm loans (3%), other (46%)
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
San Bancorp
Investment Rating
--
Address
219 Main Street
Sanborn, IA 51248
Sanborn, IA 51248
Phone Number
(712) 930-3211
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.