Major Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Fair asset quality (5.0). 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).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.4) profitability.
Asset Mix:
Comm loans (21%), home mtgs (19%), consumer loans (16%), cash (11%), comm re (7%), securities (0%), other (26%)
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
Malvern Bancshares, Inc.
Investment Rating
--
Address
404 Main Street
Malvern, IA 51551
Malvern, IA 51551
Phone Number
(712) 624-8686
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.