Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.7. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.5) profitability. 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).
Asset Mix:
Comm re (24%), securities (21%), comm loans (14%), home mtgs (14%), cash (3%), consumer loans (1%), other (23%)
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
United Iowa Bancshares, Inc.
Investment Rating
--
Address
100 North Second Avenue West
Newton, IA 50208
Newton, IA 50208
Phone Number
(641) 792-3010
Year Founded
1932
FDIC Number
Website
Largest Affiliates
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