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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A current level of 4.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Asset Mix:
Comm loans (17%), home mtgs (16%), securities (11%), comm re (11%), cash (5%), consumer loans (4%), home eq lns (2%), other (34%)
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
A. M. Saylor, Incorporated
Investment Rating
--
Address
211 First Avenue, NW
Hampton, IA 50441
Hampton, IA 50441
Phone Number
(641) 456-4793
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.