Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). A current level of 6.8 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Good (6.3) profitability.
Asset Mix:
Securities (31%), comm re (12%), comm loans (11%), home mtgs (3%), consumer loans (2%), cash (2%), home eq lns (2%), 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
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