Major Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (5.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 9.4.
Asset Mix:
Comm re (32%), home mtgs (14%), comm loans (11%), securities (7%), cash (6%), home eq lns (3%), consumer loans (0%), 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
VisionBankshares, Inc.
Investment Rating
--
Address
104 Chestnut Street
Ames, IA 50010
Ames, IA 50010
Phone Number
(515) 956-4343
Year Founded
1884
FDIC Number
Website
Largest Affiliates
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