| Weiss Ratings |
Community State Bank
Spencer, IA |
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| Rating | ||||
| Asset Quality Index | 8.30 | |||
| Capitalization Index | 9.40 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 5.50 | |||
| 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 | -3.07% | |||
| 5-Year Asset Growth | 11.07% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.22% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 1.05% | |||
| Non-Performing Loans to Loans | 0.06% | |||
| Balance Sheet |
Community State Bank
Spencer, IA |
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| Total Assets | 323.71M | |||
| Total Deposits | 280.54M | |||
| Capital and Reserves |
Community State Bank
Spencer, IA |
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| Capital | 24.06M | |||
| Leverage Ratio | 10.59 | |||
| Loan Loss Reserves to Loans | 1.39% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Community State Bank
Spencer, IA |
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| Hot Money Ratio | 16.69% | |||
| Liquidity Ratio | 31.81% | |||
| Profitability |
Community State Bank
Spencer, IA |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 1.11M | |||
| Net Interest Spread | 3.28% | |||
| Operating Profit to Average Assets | 1.43% | |||
| Overhead Efficiency Ratio | 57.65% | |||
| Return on Assets | 1.37% | |||
| Return on Equity | 18.88% | |||