Iowa State Bank
Major Rating Factors:
A current level of 13.2 percent of nonperforming loans to core capital combined with 18.9 percent from a year earlier contributes to the Fair asset quality (3.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.4 has resulted in Excellent (7.8) profitability.
Asset Mix:
Securities (25%), comm loans (11%), home mtgs (6%), cash (6%), comm re (3%), consumer loans (1%), other (47%)
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
Clarkel, Inc.
Investment Rating
--
Address
100 North Main Street
Clarksville, IA 50619
Clarksville, IA 50619
Phone Number
(319) 278-4761
Year Founded
1918
FDIC Number
Website
Largest Affiliates
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