Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Securities (22%), comm loans (12%), comm re (7%), home mtgs (5%), cash (2%), consumer loans (1%), other (50%)
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.