Cedar Valley Bank & Trust
Major Rating Factors:
A current level of 11.8 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Fair asset quality (4.4). 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 (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (43%), comm re (9%), comm loans (6%), cash (5%), securities (3%), consumer loans (3%), other (31%)
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
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