Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 42.3 and a capital leverage ratio of 15.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.7).
Other 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 (8.2 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 70.6 percent and a “hot money” ratio of 37.2 percent.
Asset Mix:
Securities (62%), home mtgs (15%), comm loans (2%), comm re (1%), consumer loans (1%), cash (1%), other (17%)
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
Investment Rating
--
Address
118 Main Street, NE
New Albin, IA 52160
New Albin, IA 52160
Phone Number
(563) 544-4214
Year Founded
1898
FDIC Number
Largest Affiliates
No affiliate information available.