Farmers Trust and Savings Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 21.7. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.4 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (18%), comm re (13%), home mtgs (12%), cash (7%), comm loans (4%), home eq lns (2%), consumer loans (2%), other (43%)
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
FTS Financial, Inc.
Investment Rating
--
Address
510 Elm Street
Williamsburg, IA 52361
Williamsburg, IA 52361
Phone Number
(319) 668-2525
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.