Central State Bank (1552)

Central State Bank (1552) is headquartered in Muscatine and is the 46^th largest bank in the state of Iowa. It is also the 1,988^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 63 employees at 5 locations. Central State Bank (1552) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Central State Bank FDIC Certificate # 1552 BankRate Report View Year Established 1933 Employees 63 Primary Regulator FED Assets and Liabilities Assets $327.24 million Loans $148.67 million Deposits $274.20 million Equity Capital $26.74 million Loan Loss Allowance $3.01 million Unbacked Noncurrent Loans $4.98 million Real Estate Owned $1.43 million Historic Data - March 2011 Assets $284.52 million Equity Capital $24.03 million Loan Loss Allowance $3.41 million Unbacked Noncurrent Loans $4.03 million Real Estate Owned $1.18 million Profit Margin - Quarterly Net Interest Margin 3.07% Return on Assets 0.77% Return on Equity 8.98% Interest Income $2.71 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Central State Bank (1552) had $6.4 million in non-current loans and owned real-estate with $29.75 million in equity and loan loss allowances on hand to cover it. This gives Central State Bank (1552) a Texas Ratio of 21.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central State Bank (1552) held steady from 19.00% as of March 31, 2011 to 21.52% as of March 31, 2012, resulting in a negative change of 13.30%. This indicates that the balance sheet and financial strength for Central State Bank (1552) has held steady in recent periods. Deposit Growth In the past year, Central State Bank (1552) has increased its total deposits by $40.91 million, resulting in 17.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central State Bank (1552) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central State Bank (1552) has $327.24 million in assets with $29.75 million in equity, resulting in a capitalization level of 9.09%, which is average.

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