Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.5) 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 (38%), home mtgs (21%), comm re (5%), comm loans (5%), cash (3%), consumer loans (2%), other (25%)
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
Yale Bancorporation
Investment Rating
--
Address
201 Main Street
Yale, IA 50277
Yale, IA 50277
Phone Number
(641) 439-2221
Year Founded
1921
FDIC Number
Website
Largest Affiliates
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