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 (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.5.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.7) profitability.
Asset Mix:
Comm re (27%), home mtgs (18%), securities (13%), comm loans (7%), cash (7%), consumer loans (2%), home eq lns (2%), other (23%)
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
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