Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Good (7.0) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Good asset quality (6.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm re (11%), comm loans (5%), home mtgs (4%), cash (2%), consumer loans (1%), home eq lns (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.