Community State Bank
Spencer, IA — Non-member Bank
Active
Vitals
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Total Assets149.8M 1.1 %
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Total Deposits123.1M 0.0 %
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Total Net Loans90.1M 7.2 %
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Net Income1.8M 0.2 %
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Book Value17.0M 10.0 %
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Book Value x234.0M 10.0 %
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Book Value x351.0M 10.0 %
Balance Sheet Highlights
Financial Highlights | Community State Bank | All Insured Commercial Banks in Iowa |
Balance Sheet $(000) | ||
Total Assets | 149,822 | 189,925 |
Total Net Loans | 90,080 | 128,162 |
Total Deposits | 123,104 | 155,733 |
Total Equity | 17,015 | 22,153 |
Profitability | ||
Net Income | 1,751 | 1,719 |
Return on Average Assets | 1.562 | 1.182 |
Return on Average Equity | 14.068 | 10.125 |
Net Interest Margin | 3.625 | 3.602 |
Efficiency Ratio | 55.704 | 59.491 |
Noninterest Income/Revenue | 21.354 | 13.325 |
Balance Sheet Ratios | ||
Loan-to-Deposit | 73.174 | 78.121 |
Securities/Assets | .345 | .199 |
Total Equity/Total Assets | .114 | .117 |
Tangible Equity/Tangible Assets | .113 | .113 |
Capital Adequacy | ||
Tier 1 Common Capital | 15,258 | 20,428 |
Tier 1 Capital | 15,258 | 20,449 |
Tier 2 Capital | 1,109 | 1,548 |
Total Capital | 16,367 | 22,011 |
Total Risk Weighted Assets | 88,327 | 144,061 |
Leverage Ratio | 10.07 | 11.062 |
Common Equity Tier 1 Capital Ratio | 17.27 | 15.828 |
Tier 1 Capital Ratio | 17.27 | 15.847 |
Total Capital Ratio | 18.53 | 16.9 |
Timeline for Community State Bank
The Citizens State Bank
Acquisition: Community State Bank acquired a new subsidiary, The Citizens State Bank, 26 years
View Profile Jan 24 1998Citizens State Bank
Acquisition: Community State Bank acquired a new subsidiary, Citizens State Bank, 30 years
View Profile Apr 23 1994Iowa Agricultural Credit Corp
Iowa Agricultural Credit Corp became a new subsidiary organization for Community State Bank.
View Profile Jan 01 1988Community State Bancorporation
Community State Bancorporation became a new parent organization for Community State Bank.
View Profile Jan 16 1985Community State Bank
Community State Bank was established 110 years ago and is currently headquartered in Spencer, IA.
Jan 01 1914Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
The Citizens State Bank | Seller | 8,371 | Pooling of Interests | Discontinued | 1/24/1998 |
Citizens State Bank | Seller | 10,697 | Discontinued | 4/23/1994 |
Relationships | Role | Relationship Start | Relationship End |
Community State Bancorporation | Parent | 1/16/1985 | |
Iowa Agricultural Credit Corp | Subsidary | 1/1/1988 | 12/31/1998 |
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