Central State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 10.4. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Comm re (34%), securities (17%), comm loans (15%), home mtgs (6%), cash (5%), consumer loans (1%), home eq lns (1%), other (21%)
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
State Center Financial, Inc.
Investment Rating
--
Address
109 West Main Street
State Center, IA 50247
State Center, IA 50247
Phone Number
(641) 483-2505
Year Founded
1902
FDIC Number
Largest Affiliates
No affiliate information available.