Iowa Trust & Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Very Weak (0.9) profitability. A current level of 4.9 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) and a capital leverage ratio of 10.8. 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).
Asset Mix:
Comm re (19%), securities (19%), home mtgs (7%), comm loans (5%), cash (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
There are no affiliate to display.