Cedar Valley Bank & Trust
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability. A current level of 15.0 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (4.0).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 8.3. 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).
Asset Mix:
Home mtgs (42%), comm loans (8%), comm re (7%), securities (4%), consumer loans (3%), cash (2%), other (35%)
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
D & D Bancshares, Inc.
Investment Rating
--
Address
321 Main Street
La Porte City, IA 50651
La Porte City, IA 50651
Phone Number
(319) 342-2850
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.