Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.7) profitability. A current level of 3.5 percent of nonperforming loans to core capital combined with 20.5 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Securities (24%), comm re (11%), comm loans (6%), home mtgs (4%), consumer loans (1%), cash (1%), other (53%)
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
Vogel Bancshares, Inc.
Investment Rating
--
Address
1101 Main Street
Hull, IA 51239
Hull, IA 51239
Phone Number
(712) 439-1025
Year Founded
1879
FDIC Number
Website
Largest Affiliates
No affiliate information available.