Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.9. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (26%), cash (3%), home mtgs (1%), comm loans (1%), home eq lns (1%), consumer loans (1%), comm re (0%), other (66%)
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
No affiliate information available.