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 (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (7.1). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.1.
Asset Mix:
Home mtgs (35%), securities (15%), comm re (13%), comm loans (9%), cash (8%), consumer loans (2%), home eq lns (1%), other (18%)
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
Commercial Ban Corp.
Investment Rating
--
Address
325 West Highway 30
Carroll, IA 51401
Carroll, IA 51401
Phone Number
(712) 792-4346
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.