White State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A current level of 3.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Securities (54%), home mtgs (9%), comm re (5%), comm loans (4%), cash (3%), consumer loans (2%), other (23%)
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
Country Bancorporation
Investment Rating
--
Address
209 Ives Street
South English, IA 52335
South English, IA 52335
Phone Number
(319) 667-5005
Year Founded
1908
FDIC Number
Website
Largest Affiliates
Hiawatha, IA
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Bank
Iowa City, IA
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Bank
Springville, IA
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Bank