| Weiss Ratings |
Community State Bank
Spencer, IA |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 9.20 | |||
| Liquidity Index | 4.20 | |||
| Profitability Index | 5.40 | |||
| Stability Index | 5.90 | |||
| 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 | 8.49% | |||
| 5-Year Asset Growth | 8.03% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.43% | |||
| Non-Performing Loans to Capital | 3.20% | |||
| Non-Performing Loans to Loans | 0.37% | |||
| Balance Sheet |
Community State Bank
Spencer, IA |
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| Total Assets | 345.78M | |||
| Total Deposits | 295.54M | |||
| Capital and Reserves |
Community State Bank
Spencer, IA |
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| Capital | 29.27M | |||
| Leverage Ratio | 10.47 | |||
| Loan Loss Reserves to Loans | 1.37% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Community State Bank
Spencer, IA |
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| Hot Money Ratio | 18.60% | |||
| Liquidity Ratio | 34.07% | |||
| Profitability |
Community State Bank
Spencer, IA |
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| 5-Year Return on Average Assets | 1.31% | |||
| Net Income | 2.44M | |||
| Net Interest Spread | 3.36% | |||
| Operating Profit to Average Assets | 1.48% | |||
| Overhead Efficiency Ratio | 55.92% | |||
| Return on Assets | 1.42% | |||
| Return on Equity | 17.46% | |||