Development
The State Bank
| Weiss Ratings |
The State Bank
Spirit Lake, IA |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 1.20 | |||
| Stability Index | 3.80 | |||
| Company Info |
The State Bank
Spirit Lake, IA |
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| FDIC Number | 13715 | |||
| Phone Number | (712) 336-2455 | |||
| Website | www.statebankspiritlake.com | |||
| Asset Quality |
The State Bank
Spirit Lake, IA |
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| 1-Year Asset Growth | 1.45% | |||
| 5-Year Asset Growth | 2.59% | |||
| 5-Year Charge-Offs to Average Loans | 0.91% | |||
| Charge-Offs to Average Loans | -1.26% | |||
| Non-Performing Assets to Assets | 0.34% | |||
| Non-Performing Loans to Capital | 2.61% | |||
| Non-Performing Loans to Loans | 1.32% | |||
| Balance Sheet |
The State Bank
Spirit Lake, IA |
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| Total Assets | 85.23M | |||
| Total Deposits | 76.60M | |||
| Capital and Reserves |
The State Bank
Spirit Lake, IA |
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| Capital | 5.28M | |||
| Leverage Ratio | 11.34 | |||
| Loan Loss Reserves to Loans | 3.20% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The State Bank
Spirit Lake, IA |
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| Hot Money Ratio | 22.49% | |||
| Liquidity Ratio | 37.63% | |||
| Profitability |
The State Bank
Spirit Lake, IA |
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| 5-Year Return on Average Assets | 0.39% | |||
| Net Income | 439.00K | |||
| Net Interest Spread | 2.53% | |||
| Operating Profit to Average Assets | 0.54% | |||
| Overhead Efficiency Ratio | 80.56% | |||
| Return on Assets | 0.52% | |||
| Return on Equity | 9.18% | |||