Major Rating Factors:
A current level of 25.2 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (19%), securities (18%), comm loans (13%), home mtgs (12%), cash (6%), home eq lns (2%), consumer loans (0%), other (30%)
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
Lincoln Bancorp
Investment Rating
--
Address
508 Main Street
Reinbeck, IA 50669
Reinbeck, IA 50669
Phone Number
(319) 788-6441
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.