Central Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.1). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 9.7.
Asset Mix:
Comm re (30%), home mtgs (17%), comm loans (15%), securities (7%), cash (5%), home eq lns (3%), consumer loans (1%), other (23%)
States with Branches:
IA, SD
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
Commercial Financial Corp.
Investment Rating
--
Address
600 Lake Avenue
Storm Lake, IA 50588
Storm Lake, IA 50588
Phone Number
(712) 732-2190
Year Founded
1877
FDIC Number
Website
Largest Affiliates
No affiliate information available.