Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 9.3. A current level of 6.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (37%), comm loans (10%), comm re (9%), home mtgs (2%), consumer loans (2%), cash (2%), home eq lns (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
TS Banking Group, Inc.
Investment Rating
--
Address
15 East Main Street
Treynor, IA 51575
Treynor, IA 51575
Phone Number
(712) 487-3000
Year Founded
1923
FDIC Number
Website
Largest Affiliates
No affiliate information available.