| Weiss Ratings |
State Bank
Spencer, IA |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 6.30 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 4.90 | |||
| Stability Index | 5.00 | |||
| Company Info |
State Bank
Spencer, IA |
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| FDIC Number | 16151 | |||
| Phone Number | (712) 262-6580 | |||
| Website | www.statebank-spencer.com | |||
| Asset Quality |
State Bank
Spencer, IA |
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| 1-Year Asset Growth | 1.87% | |||
| 5-Year Asset Growth | 2.49% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.21% | |||
| Non-Performing Assets to Assets | 0.08% | |||
| Non-Performing Loans to Capital | 0.87% | |||
| Non-Performing Loans to Loans | 0.12% | |||
| Balance Sheet |
State Bank
Spencer, IA |
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| Total Assets | 75.37M | |||
| Total Deposits | 68.34M | |||
| Capital and Reserves |
State Bank
Spencer, IA |
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| Capital | 6.05M | |||
| Leverage Ratio | 8.29 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | 15.03 | |||
| Liquidity |
State Bank
Spencer, IA |
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| Hot Money Ratio | 20.55% | |||
| Liquidity Ratio | 27.79% | |||
| Profitability |
State Bank
Spencer, IA |
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| 5-Year Return on Average Assets | 0.92% | |||
| Net Income | 474.00K | |||
| Net Interest Spread | 3.64% | |||
| Operating Profit to Average Assets | 1.30% | |||
| Overhead Efficiency Ratio | 70.24% | |||
| Return on Assets | 1.24% | |||
| Return on Equity | 15.92% | |||