Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Home mtgs (23%), comm re (15%), comm loans (9%), cash (9%), securities (8%), consumer loans (2%), home eq lns (1%), other (33%)
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
WFC, Inc.
Investment Rating
--
Address
22 West Main Street
Waukon, IA 52172
Waukon, IA 52172
Phone Number
(563) 568-3451
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.