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). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Good (6.8) profitability.
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 8.4 percent. Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (28%), cash (13%), securities (7%), comm re (2%), comm loans (1%), consumer loans (1%), other (48%)
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.