Iowa Trust & Savings Bank
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 10.2. A current level of 0.7 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (20%), securities (15%), home mtgs (8%), cash (7%), comm loans (5%), consumer loans (0%), other (45%)
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
Emmetsburg Bank Shares, Inc.
Investment Rating
--
Address
2101 10th Street
Emmetsburg, IA 50536
Emmetsburg, IA 50536
Phone Number
(712) 852-3451
Year Founded
1929
FDIC Number
Website
Largest Affiliates
No affiliate information available.