Vitals
  • Total Assets
    110.8M 3.5 %
  • Total Deposits
    99.5M 3.2 %
  • Total Net Loans
    103.0M 5.5 %
  • Net Income
    1.9M 0.7 %
  • Book Value
    10.6M 5.4 %
  • Book Value x2
    21.2M 5.4 %
  • Book Value x3
    31.8M 5.4 %
ROAA

1.781

ROAE

19.337

Efficiency Ratio

53.332

Net Interest Margin

4.056

Balance Sheet Highlights
Financial Highlights State Savings Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 110,754 198,346
Total Net Loans 102,961 133,864
Total Deposits 99,456 165,124
Total Equity 10,606 22,060
Profitability
Net Income 1,941 2,310
Return on Average Assets 1.781 1.15
Return on Average Equity 19.337 9.92
Net Interest Margin 4.056 3.587
Efficiency Ratio 53.332 60.34
Noninterest Income/Revenue 7.821 13.494
Balance Sheet Ratios
Loan-to-Deposit 103.524 77.091
Securities/Assets .004 .197
Total Equity/Total Assets .096 .111
Tangible Equity/Tangible Assets .096 .107
Capital Adequacy
Tier 1 Common Capital 10,606 21,135
Tier 1 Capital 10,606 21,140
Tier 2 Capital 1,105 1,625
Total Capital 11,711 22,777
Total Risk Weighted Assets 97,331 151,308
Leverage Ratio 9.56 10.944
Common Equity Tier 1 Capital Ratio 10.9 15.631
Tier 1 Capital Ratio 10.9 15.631
Total Capital Ratio 12.03 16.675

Timeline for State Savings Bank

Valley Bank & Trust

Acquisition: State Savings Bank acquired a new subsidiary, Valley Bank & Trust, 12 years

View Profile Oct 01 2011

Bedford Bancorp, Inc.

Bedford Bancorp, Inc. became a new parent organization for State Savings Bank.

View Profile Mar 31 1978

State Savings Bank

State Savings Bank was established 109 years ago and is currently headquartered in Creston, IA.

Jan 01 1915
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Valley Bank & Trust Seller 29,022 Acquisition Discontinued 10/1/2011
Relationships Role Relationship Start Relationship End
Bedford Bancorp, Inc. Parent 12/31/1985
Bedford Bancorp, Inc. Parent 3/31/1978 12/30/1985
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