Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 18.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (5.9). 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.
Asset Mix:
Securities (30%), comm loans (8%), cash (8%), home mtgs (6%), consumer loans (2%), comm re (2%), other (44%)
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
C.S.B. Holding Corporation
Investment Rating
--
Address
114 West Main Street
Wyoming, IA 52362
Wyoming, IA 52362
Phone Number
(563) 488-2211
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.