Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 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 16.4 and a capital leverage ratio of 13.3. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Asset Mix:
Securities (22%), comm loans (13%), comm re (7%), home mtgs (5%), cash (2%), consumer loans (1%), home eq lns (1%), other (48%)
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
Capital Bancshares, Inc.
Investment Rating
--
Address
185 South Green Avenue
Primghar, IA 51245
Primghar, IA 51245
Phone Number
(712) 957-6815
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.