Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 32.1 percent. A current level of 12.8 percent of nonperforming loans to core capital combined with 26.6 percent from a year earlier contributes to the Fair asset quality (3.5).
Asset Mix:
Comm re (24%), securities (18%), comm loans (15%), home mtgs (10%), cash (2%), home eq lns (2%), consumer loans (1%), other (28%)
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.