Major Rating Factors:
A current level of 29.9 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (22%), cash (21%), comm loans (15%), comm re (10%), home eq lns (1%), consumer loans (1%), other (30%)
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
Twin Cedars Bancorp, Inc.
Investment Rating
--
Address
402 Merrill Street
Bussey, IA 50044
Bussey, IA 50044
Phone Number
(641) 944-5314
Year Founded
1931
FDIC Number
Website
Largest Affiliates
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