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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.2) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.9.
Asset Mix:
Comm re (29%), home mtgs (21%), securities (15%), comm loans (12%), cash (8%), home eq lns (2%), consumer loans (1%), other (13%)
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
Premier Financial Corp.
Investment Rating
--
Address
2625 NW Arterial
Dubuque, IA 52002
Dubuque, IA 52002
Phone Number
(563) 588-1000
Year Founded
1998
FDIC Number
Website
Largest Affiliates
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