Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 18.2 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (31%), comm re (24%), comm loans (12%), home mtgs (12%), cash (6%), home eq lns (2%), consumer loans (1%), other (13%)
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
Keystone Community Bancorporation
Investment Rating
--
Address
81 Main Street
Keystone, IA 52249
Keystone, IA 52249
Phone Number
(319) 442-3218
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.