Community State Bank
Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 10.2. A current level of 4.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.2).
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 (4.3 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 9.5 percent.
Asset Mix:
Securities (36%), home mtgs (14%), cash (4%), comm loans (4%), consumer loans (3%), comm re (2%), home eq lns (1%), other (36%)
States with Branches:
IN
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
Community Bancorp
Investment Rating
--
Address
101 North Chicago Street
Royal Center, IN 46978
Royal Center, IN 46978
Phone Number
(574) 643-9555
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.