| Weiss Ratings |
Community State Bank
Spencer, IA |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 5.70 | |||
| Stability Index | 6.00 | |||
| Company Info |
Community State Bank
Spencer, IA |
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| FDIC Number | 230 | |||
| Phone Number | (712) 262-3030 | |||
| Website | www.ecommunitybank.org/ | |||
| Asset Quality |
Community State Bank
Spencer, IA |
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| 1-Year Asset Growth | -0.51% | |||
| 5-Year Asset Growth | 11.07% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 1.52% | |||
| Non-Performing Loans to Loans | 0.22% | |||
| Balance Sheet |
Community State Bank
Spencer, IA |
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| Total Assets | 323.91M | |||
| Total Deposits | 275.94M | |||
| Capital and Reserves |
Community State Bank
Spencer, IA |
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| Capital | 26.91M | |||
| Leverage Ratio | 11.02 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Community State Bank
Spencer, IA |
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| Hot Money Ratio | 18.18% | |||
| Liquidity Ratio | 29.63% | |||
| Profitability |
Community State Bank
Spencer, IA |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 3.47M | |||
| Net Interest Spread | 3.35% | |||
| Operating Profit to Average Assets | 1.49% | |||
| Overhead Efficiency Ratio | 56.06% | |||
| Return on Assets | 1.44% | |||
| Return on Equity | 19.32% | |||