The Exchange State Bank
Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1. A current level of 0.5 percent of nonperforming loans to core capital combined with 13.3 percent from a year earlier contributes to the Good asset quality (6.9).
Other 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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (40%), home mtgs (17%), comm re (6%), comm loans (5%), consumer loans (3%), home eq lns (2%), cash (1%), other (27%)
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
Country Bancorporation
Investment Rating
--
Address
253 Broadway Street
Springville, IA 52336
Springville, IA 52336
Phone Number
(319) 854-6104
Year Founded
1878
FDIC Number
Largest Affiliates
Hiawatha, IA
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Lone Tree, IA
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South English, IA
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Bank