Major Rating Factors:
A current level of 25.3 percent of nonperforming loans to core capital combined with 49.3 percent from a year earlier contributes to the Weak asset quality (2.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3. Fair liquidity 3.0, driven by a liquidity ratio of 36.3 percent and a “hot money” ratio of 22.3 percent.
Asset Mix:
Securities (24%), cash (16%), home mtgs (10%), comm re (9%), comm loans (5%), consumer loans (2%), other (34%)
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
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