Major Rating Factors:
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). A current level of 9.1 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.5) profitability. Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 8.4.
Asset Mix:
Home mtgs (40%), comm re (15%), cash (8%), comm loans (8%), securities (8%), consumer loans (2%), home eq lns (1%), other (19%)
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
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