First Heritage Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.6) profitability. 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).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.0.
Asset Mix:
Home mtgs (23%), securities (18%), comm loans (11%), comm re (8%), consumer loans (2%), cash (2%), home eq lns (1%), other (35%)
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 National Bancorp
Investment Rating
--
Address
801 South Fremont Street
Shenandoah, IA 51601
Shenandoah, IA 51601
Phone Number
(712) 246-5118
Year Founded
1873
FDIC Number
Website
Largest Affiliates
No affiliate information available.