Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
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 (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (23%), comm re (20%), home mtgs (15%), comm loans (9%), cash (3%), home eq lns (2%), consumer loans (2%), other (26%)
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
First Belmond Bancorporation
Investment Rating
--
Address
150 First Street, SE
Oelwein, IA 50662
Oelwein, IA 50662
Phone Number
(319) 283-4000
Year Founded
1998
FDIC Number
Website
Largest Affiliates
Belmond, IA
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Bank