Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 11.2. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Asset Mix:
Comm re (20%), home mtgs (19%), securities (14%), comm loans (13%), consumer loans (2%), cash (2%), other (29%)
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
FSB Financial Services, Inc.
Investment Rating
--
Address
131 Tower Park Drive
Waterloo, IA 50701
Waterloo, IA 50701
Phone Number
(319) 287-3961
Year Founded
1879
FDIC Number
Website
Largest Affiliates
Iowa Falls, IA
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Bank