| Weiss Ratings |
Central State Bank
Calera, AL |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 8.30 | |||
| Liquidity Index | 2.30 | |||
| Profitability Index | 9.00 | |||
| Stability Index | 5.70 | |||
| Company Info |
Central State Bank
Calera, AL |
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| FDIC Number | 72 | |||
| Phone Number | (205) 668-0711 | |||
| Website | www.centralstatebank.com | |||
| Asset Quality |
Central State Bank
Calera, AL |
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| 1-Year Asset Growth | 8.80% | |||
| 5-Year Asset Growth | 20.27% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.14% | |||
| Non-Performing Loans to Capital | 0.43% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
Central State Bank
Calera, AL |
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| Total Assets | 744.16M | |||
| Total Deposits | 670.03M | |||
| Capital and Reserves |
Central State Bank
Calera, AL |
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| Capital | 67.69M | |||
| Leverage Ratio | 9.83 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Central State Bank
Calera, AL |
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| Hot Money Ratio | 26.72% | |||
| Liquidity Ratio | 22.26% | |||
| Profitability |
Central State Bank
Calera, AL |
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| 5-Year Return on Average Assets | 1.73% | |||
| Net Income | 11.01M | |||
| Net Interest Spread | 4.39% | |||
| Operating Profit to Average Assets | 2.25% | |||
| Overhead Efficiency Ratio | 49.25% | |||
| Return on Assets | 2.10% | |||
| Return on Equity | 23.09% | |||