Union State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). A current level of 1.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 8.4. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (25%), home mtgs (15%), cash (11%), comm loans (4%), comm re (4%), consumer loans (2%), other (40%)
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
Greenfield Bancorporation, Ltd.
Investment Rating
--
Address
214 South First Street
Greenfield, IA 50849
Greenfield, IA 50849
Phone Number
(641) 343-7310
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.