Central State Bank
Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Comm re (34%), securities (17%), comm loans (16%), home mtgs (6%), cash (4%), consumer loans (1%), home eq lns (1%), other (22%)
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.