Bank 1st
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.9. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
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 (6.4 on a scale of 0 to 10). 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.
Asset Mix:
Securities (39%), home mtgs (19%), comm re (6%), comm loans (5%), cash (2%), consumer loans (1%), other (27%)
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
FNB BanShares, Inc.
Investment Rating
--
Address
115 North Vine Street
West Union, IA 52175
West Union, IA 52175
Phone Number
(563) 422-3883
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.