Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.3 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability.
Asset Mix:
Securities (63%), cash (9%), home mtgs (2%), consumer loans (2%), comm loans (1%), other (23%)
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.