Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.1. A current level of 2.7 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 61.7 percent and a “hot money” ratio of 12.5 percent.
Asset Mix:
Securities (50%), home mtgs (19%), comm loans (5%), comm re (3%), consumer loans (2%), cash (1%), other (19%)
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
Fayette Bancorporation
Investment Rating
--
Address
310 West Main Street
Maynard, IA 50655
Maynard, IA 50655
Phone Number
(563) 637-2289
Year Founded
1895
FDIC Number
Largest Affiliates
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