Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 12.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (7.0).
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 (6.4 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 45.1 percent and a “hot money” ratio of 20.0 percent.
Asset Mix:
Securities (21%), cash (18%), home mtgs (6%), comm re (4%), consumer loans (4%), comm loans (3%), other (44%)
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
Beulah Bancorporation, Inc.
Investment Rating
--
Address
401 Main Street
Mapleton, IA 51034
Mapleton, IA 51034
Phone Number
(712) 881-1131
Year Founded
1878
FDIC Number
Largest Affiliates
Beulah, ND
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Bank