Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 8.7 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (5.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Securities (26%), comm re (16%), home mtgs (11%), comm loans (9%), cash (7%), home eq lns (1%), consumer loans (1%), other (30%)
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
Community Bancshares Corp.
Investment Rating
--
Address
1401 North Jefferson Way
Indianola, IA 50125
Indianola, IA 50125
Phone Number
(515) 961-5880
Year Founded
1883
FDIC Number
Website
Largest Affiliates
No affiliate information available.