Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (9%), comm loans (8%), cash (8%), comm re (4%), consumer loans (1%), other (47%)
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
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