Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 8.9. A current level of 3.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). 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.
Asset Mix:
Securities (24%), cash (13%), comm loans (8%), home mtgs (7%), comm re (4%), consumer loans (1%), other (43%)
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
J. Carl H. Bancorporation
Investment Rating
--
Address
122 Main Street
Earling, IA 51530
Earling, IA 51530
Phone Number
(712) 747-2000
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.