Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability. A current level of 10.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), comm re (20%), securities (17%), comm loans (9%), cash (3%), consumer loans (1%), home eq lns (1%), other (27%)
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
Fostoria Bankshares, Inc.
Investment Rating
--
Address
10 Highway Avenue, NW
Fostoria, IA 51340
Fostoria, IA 51340
Phone Number
(712) 262-2708
Year Founded
1916
FDIC Number
Largest Affiliates
No affiliate information available.