Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.6) profitability. A current level of 8.6 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Securities (32%), comm re (27%), comm loans (12%), home mtgs (12%), cash (3%), home eq lns (1%), 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
There are no affiliate to display.