Major Rating Factors:
A current level of 24.7 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Very Weak asset quality (0.4). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (15%), comm loans (10%), securities (8%), comm re (7%), cash (3%), consumer loans (3%), home eq lns (1%), other (53%)
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
Wheatland Bancorporation
Investment Rating
--
Address
123 South Main Street
Wheatland, IA 52777
Wheatland, IA 52777
Phone Number
(563) 374-1247
Year Founded
1886
FDIC Number
Website
Largest Affiliates
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