Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 23.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (37%), comm re (5%), cash (4%), home mtgs (3%), comm loans (1%), consumer loans (1%), other (50%)
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
Royal Bancshares, Inc.
Investment Rating
--
Address
202 Third Avenue
Royal, IA 51357
Royal, IA 51357
Phone Number
(712) 933-5511
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.