Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A current level of 3.7 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other 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 (4.7 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 24.5 percent.
Asset Mix:
Securities (38%), comm loans (15%), cash (12%), home mtgs (10%), comm re (3%), consumer loans (3%), other (19%)
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 Belmond Bancorporation
Investment Rating
--
Address
304 East Main Street
Belmond, IA 50421
Belmond, IA 50421
Phone Number
(641) 444-3226
Year Founded
1933
FDIC Number
Website
Largest Affiliates
Oelwein, IA
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Bank