Central State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 10.3. A current level of 0.1 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Comm re (23%), home mtgs (17%), securities (12%), comm loans (10%), cash (4%), home eq lns (1%), consumer loans (0%), other (31%)
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
AJJ Bancorp, Inc.
Investment Rating
--
Address
805 22nd Avenue
Coralville, IA 52241
Coralville, IA 52241
Phone Number
(319) 569-2800
Year Founded
1931
FDIC Number
Website
Largest Affiliates
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