Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 33.4 percent. A current level of 11.5 percent of nonperforming loans to core capital combined with 14.0 percent from a year earlier contributes to the Fair asset quality (3.6).
Asset Mix:
Comm re (23%), securities (19%), comm loans (14%), home mtgs (11%), cash (3%), home eq lns (2%), consumer loans (1%), 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
CFB Holding Company
Investment Rating
--
Address
1442 Lincoln Way
Clinton, IA 52732
Clinton, IA 52732
Phone Number
(563) 243-6000
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.