Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 10.8. A current level of 4.9 percent of nonperforming loans to core capital combined with 4.2 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 (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (23%), home mtgs (20%), comm loans (6%), comm re (6%), cash (2%), consumer loans (2%), other (41%)
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
HTB, Inc.
Investment Rating
--
Address
628 Main Street
Osage, IA 50461
Osage, IA 50461
Phone Number
(641) 732-3763
Year Founded
1899
FDIC Number
Website
Largest Affiliates
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