Farmers Trust & Savings Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 0.5 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Comm loans (7%), home mtgs (7%), securities (7%), comm re (5%), cash (2%), consumer loans (1%), other (71%)
States with Branches:
IA, MN
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
Koss-Winn Bancshares, Inc.
Investment Rating
--
Address
101 North Main Street
Buffalo Center, IA 50424
Buffalo Center, IA 50424
Phone Number
(641) 562-2696
Year Founded
1914
FDIC Number
Website
Largest Affiliates
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