C
BANK
WapelloIA
Rating Date
March 2024
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: A current level of 9.7 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (1.2) profitability.
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Asset Mix: Comm loans (26%), comm re (23%), home mtgs (18%), consumer loans (9%), cash (6%), home eq lns (1%), other (17%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Morning Sun Bank Corp.
Investment Rating
--
Address
409 Highway 61, South
Wapello, IA 52653
Phone Number
(319) 523-5200
Year Founded
1931
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings