Major Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.0) profitability.
Asset Mix:
Home mtgs (40%), comm loans (17%), securities (5%), consumer loans (5%), cash (4%), comm re (2%), other (27%)
States with Branches:
IA, NE
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
Halbur Bancshares, Inc.
Investment Rating
--
Address
401 First Street
Westside, IA 51467
Westside, IA 51467
Phone Number
(712) 292-9182
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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