Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability. A current level of 12.6 percent of nonperforming loans to core capital combined with 19.1 percent from a year earlier contributes to the Fair asset quality (3.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.8. 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).
Asset Mix:
Comm loans (25%), consumer loans (21%), cash (20%), securities (14%), home mtgs (8%), comm re (5%), home eq lns (1%), other (6%)
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
Evans Bancshares, Inc.
Investment Rating
--
Address
3600 Lafayette Road
Evansdale, IA 50707
Evansdale, IA 50707
Phone Number
(319) 235-6731
Year Founded
1962
FDIC Number
Website
Largest Affiliates
No affiliate information available.