Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.4.
Asset Mix:
Home mtgs (25%), cash (19%), securities (8%), comm re (3%), comm loans (3%), consumer loans (1%), other (41%)
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
Dysart Bancshares, Inc.
Investment Rating
--
Address
301 Main Street
Dysart, IA 52224
Dysart, IA 52224
Phone Number
(319) 476-4900
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.