Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 5.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.9) profitability.
Asset Mix:
Home mtgs (16%), comm loans (13%), comm re (9%), cash (7%), securities (6%), home eq lns (3%), consumer loans (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
Fountain View Bancorp., Inc.
Investment Rating
--
Address
201 South Jefferson Street
Sigourney, IA 52591
Sigourney, IA 52591
Phone Number
(641) 622-2525
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.