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 (4.3 on a scale of 0 to 10). A current level of 1.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (8.0) profitability.
Asset Mix:
Home mtgs (21%), securities (18%), comm loans (7%), comm re (6%), consumer loans (2%), cash (1%), other (46%)
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 State Bank Holding Company
Investment Rating
--
Address
413 East Street
Lynnville, IA 50153
Lynnville, IA 50153
Phone Number
(641) 527-2535
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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