First Security Bank and Trust Company
Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.7. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Weak liquidity 3.0, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 5.7 percent.
Asset Mix:
Securities (23%), home mtgs (17%), comm re (8%), cash (7%), comm loans (5%), consumer loans (1%), home eq lns (1%), other (38%)
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
Cedar Valley Bankshares, Ltd.
Investment Rating
--
Address
809 Clark Street
Charles City, IA 50616
Charles City, IA 50616
Phone Number
(641) 228-2343
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.