Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.1 and a capital leverage ratio of 12.0. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). Fair liquidity 5.0, driven by a liquidity ratio of 55.3 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Securities (31%), home mtgs (14%), cash (9%), comm re (5%), home eq lns (3%), comm loans (3%), consumer loans (2%), other (34%)
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
Investment Rating
--
Address
215 North Division Street
Stuart, IA 50250
Stuart, IA 50250
Phone Number
(515) 523-2721
Year Founded
1934
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.