Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 25.2 percent and a “hot money” ratio of 8.3 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (37%), comm loans (9%), comm re (8%), cash (3%), home mtgs (3%), consumer loans (2%), home eq lns (1%), other (38%)
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.