Central Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. A current level of 3.3 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Asset Mix:
Comm re (31%), home mtgs (16%), comm loans (14%), securities (7%), home eq lns (3%), cash (2%), consumer loans (1%), other (26%)
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
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