The Exchange State Bank
Major Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.5. A current level of 11.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
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 (5.0 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 33.9 percent and a “hot money” ratio of 13.9 percent.
Asset Mix:
Securities (36%), home mtgs (18%), comm re (6%), comm loans (6%), consumer loans (2%), cash (2%), home eq lns (2%), 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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Bank
Lone Tree, IA
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Bank
South English, IA
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Bank