Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (5.0) profitability. A current level of 8.9 percent of nonperforming loans to core capital combined with 24.6 percent from a year earlier contributes to the Fair asset quality (4.6).
Asset Mix:
Securities (57%), cash (10%), comm loans (3%), home mtgs (3%), consumer loans (2%), other (26%)
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
Century Bancshares, Inc.
Investment Rating
--
Address
100 West Second Street
Schaller, IA 51053
Schaller, IA 51053
Phone Number
(712) 275-4261
Year Founded
1898
FDIC Number
Largest Affiliates
No affiliate information available.
