| Weiss Ratings |
State Bank
Spencer, IA |
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| Rating | ||||
| Asset Quality Index | 5.30 | |||
| Capitalization Index | 6.30 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 1.70 | |||
| Stability Index | 4.60 | |||
| 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 | -0.61% | |||
| 5-Year Asset Growth | -0.38% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | -0.01% | |||
| Non-Performing Assets to Assets | 0.48% | |||
| Non-Performing Loans to Capital | 5.21% | |||
| Non-Performing Loans to Loans | 0.70% | |||
| Balance Sheet |
State Bank
Spencer, IA |
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| Total Assets | 74.91M | |||
| Total Deposits | 68.20M | |||
| Capital and Reserves |
State Bank
Spencer, IA |
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| Capital | 6.20M | |||
| Leverage Ratio | 8.31 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | 14.81 | |||
| Liquidity |
State Bank
Spencer, IA |
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| Hot Money Ratio | 22.50% | |||
| Liquidity Ratio | 26.61% | |||
| Profitability |
State Bank
Spencer, IA |
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| 5-Year Return on Average Assets | 0.98% | |||
| Net Income | 299.00K | |||
| Net Interest Spread | 4.19% | |||
| Operating Profit to Average Assets | 0.83% | |||
| Overhead Efficiency Ratio | 81.86% | |||
| Return on Assets | 0.79% | |||
| Return on Equity | 9.66% | |||