Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 17.5 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 10.1. Fair liquidity 3.4, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 21.1 percent.
Asset Mix:
Securities (35%), comm loans (19%), comm re (11%), home mtgs (8%), cash (2%), consumer loans (0%), other (26%)
States with Branches:
IA
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
Central South Bancorporation, Inc.
Investment Rating
--
Address
400 East Iowa Avenue
Indianola, IA 50125
Indianola, IA 50125
Phone Number
(515) 962-1400
Year Founded
1998
FDIC Number
Website
Largest Affiliates
No affiliate information available.