Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) 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:
Weak liquidity 1.5, driven by a liquidity ratio of 25.6 percent and a “hot money” ratio of 8.5 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.0.
Asset Mix:
Securities (39%), comm loans (9%), comm re (7%), cash (3%), home mtgs (3%), consumer loans (2%), home eq lns (1%), other (37%)
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
Treynor Bancshares, 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.