Iowa Falls State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (5.9) profitability. A current level of 2.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (40%), home mtgs (14%), comm re (10%), comm loans (7%), home eq lns (2%), cash (1%), consumer loans (1%), other (26%)
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
FSB Financial Services, Inc.
Investment Rating
--
Address
601 Washington Avenue
Iowa Falls, IA 50126
Iowa Falls, IA 50126
Phone Number
(641) 648-5171
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.