Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.2. A current level of 4.7 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (6.0).
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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (26%), home mtgs (19%), comm loans (7%), comm re (6%), cash (3%), consumer loans (2%), other (38%)
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
No affiliate information available.