Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10). A current level of 36.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5. Weak liquidity 2.9, driven by a liquidity ratio of 34.8 percent and a “hot money” ratio of 23.1 percent.
Asset Mix:
Securities (25%), cash (12%), home mtgs (11%), comm re (10%), comm loans (5%), consumer loans (2%), other (36%)
States with Branches:
IA, NE
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
Investment Rating
--
Address
104 Main Street
Randolph, IA 51649
Randolph, IA 51649
Phone Number
(712) 625-2201
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.