Ireland Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.3 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (38%), comm loans (13%), comm re (10%), consumer loans (10%), cash (5%), home mtgs (1%), home eq lns (1%), other (21%)
States with Branches:
ID
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
Ireland Bancorp, Ltd.
Investment Rating
--
Address
33 Bannock Street
Malad City, ID 83252
Malad City, ID 83252
Phone Number
(208) 766-2211
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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