Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (41%), comm loans (6%), home mtgs (5%), cash (4%), comm re (3%), consumer loans (2%), other (39%)
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
Ohnward Bancshares, Inc.
Investment Rating
--
Address
203 North Main Street
Maquoketa, IA 52060
Maquoketa, IA 52060
Phone Number
(563) 652-2491
Year Founded
1958
FDIC Number
Website
Largest Affiliates
De Witt, IA
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Bank
Cascade, IA
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Bank