Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.4 and a capital leverage ratio of 11.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 47.3 percent and a “hot money” ratio of 16.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Securities (42%), comm loans (19%), cash (13%), home mtgs (6%), comm re (5%), consumer loans (1%), other (14%)
States with Branches:
IA, TX
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
955 Washington Street
Dubuque, IA 52001
Dubuque, IA 52001
Phone Number
(641) 623-5105
Year Founded
1946
FDIC Number
Website
Largest Affiliates
No affiliate information available.