Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (5.6). Fair liquidity 3.3, driven by a liquidity ratio of 33.8 percent and a “hot money” ratio of 22.4 percent.
Asset Mix:
Securities (34%), comm re (18%), comm loans (10%), home mtgs (10%), cash (6%), consumer loans (1%), other (20%)
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
W. J. Young & Co.
Investment Rating
--
Address
235 Sixth Avenue, South
Clinton, IA 52732
Clinton, IA 52732
Phone Number
(563) 243-1243
Year Founded
1865
FDIC Number
Website
Largest Affiliates
No affiliate information available.