Clear Lake Bank and Trust Company
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 8.2.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability.
Asset Mix:
Comm re (25%), home mtgs (19%), securities (12%), comm loans (9%), cash (8%), consumer loans (2%), home eq lns (2%), other (22%)
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
Arneson Bancshares, Inc.
Investment Rating
--
Address
322 Main Avenue
Clear Lake, IA 50428
Clear Lake, IA 50428
Phone Number
(641) 357-7121
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.