The Exchange State Bank
Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
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 (5.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (40%), home mtgs (18%), comm loans (6%), comm re (5%), consumer loans (3%), cash (2%), home eq lns (1%), other (26%)
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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Bank
Iowa City, IA
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Bank
South English, IA
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Bank