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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.1. A current level of 5.5 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Comm re (26%), securities (21%), home mtgs (15%), comm loans (13%), cash (3%), home eq lns (2%), consumer loans (1%), other (19%)
States with Branches:
IA, IL
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
AmBank Holdings, Inc.
Investment Rating
--
Address
4301 East 53rd Street
Davenport, IA 52807
Davenport, IA 52807
Phone Number
(563) 344-9500
Year Founded
1968
FDIC Number
Website
Largest Affiliates
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