Central State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability. A current level of 10.0 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Comm re (35%), securities (17%), comm loans (16%), home mtgs (7%), cash (2%), consumer loans (1%), home eq lns (1%), other (20%)
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) 219-7535
Year Founded
1902
FDIC Number
Largest Affiliates
There are no affiliate to display.