Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 9.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 11.4. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (8.1) profitability.
Asset Mix:
Home mtgs (32%), cash (12%), securities (5%), consumer loans (2%), comm re (2%), comm 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
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
There are no affiliate to display.