Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 8.9.
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 (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (53%), comm loans (13%), comm re (11%), home mtgs (3%), cash (2%), home eq lns (1%), consumer loans (1%), other (15%)
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
Capra Financial, Inc.
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
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