Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 2.9 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability. Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (19%), comm loans (14%), comm re (13%), securities (9%), cash (7%), consumer loans (4%), home eq lns (1%), other (34%)
States with Branches:
MO
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
Community First Bancshares, Inc.
Investment Rating
--
Address
915 West Fort Scott Street
Butler, MO 64730
Butler, MO 64730
Phone Number
(660) 679-3135
Year Founded
1932
FDIC Number
Largest Affiliates
No affiliate information available.