Cedar Valley Bank & Trust
Major Rating Factors:
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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.0) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.6. A current level of 10.0 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Home mtgs (43%), comm loans (8%), comm re (7%), securities (4%), consumer loans (4%), cash (2%), other (34%)
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.