Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 11.0. A current level of 2.4 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (27%), cash (5%), home mtgs (2%), comm loans (1%), home eq lns (1%), consumer loans (1%), comm re (0%), other (63%)
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
Cypress Corporation
Investment Rating
--
Address
803 Fourth Avenue
Sibley, IA 51249
Sibley, IA 51249
Phone Number
(712) 754-2561
Year Founded
1894
FDIC Number
Website
Largest Affiliates
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