Chelsea Savings Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.5. A current level of 0.7 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (6.1 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 60.0 percent and a “hot money” ratio of 19.7 percent.
Asset Mix:
Securities (55%), home mtgs (9%), comm loans (7%), comm re (5%), cash (4%), consumer loans (1%), other (19%)
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
Chebelle Corporation
Investment Rating
--
Address
601 13th Street
Belle Plaine, IA 52208
Belle Plaine, IA 52208
Phone Number
(319) 444-3144
Year Founded
1936
FDIC Number
Largest Affiliates
No affiliate information available.