Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (8.4) profitability. Fair liquidity 4.7, driven by a liquidity ratio of 52.7 percent and a “hot money” ratio of 13.2 percent.
Asset Mix:
Cash (37%), securities (18%), comm re (12%), comm loans (7%), consumer loans (6%), home mtgs (4%), other (15%)
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
Chief Iowa Investment Corporation
Investment Rating
--
Address
101 South Fourth Street
Montezuma, IA 50171
Montezuma, IA 50171
Phone Number
(641) 623-5766
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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