UNICO Bank
Major Rating Factors:
A current level of 20.2 percent of nonperforming loans to core capital combined with 13.9 percent from a year earlier contributes to the Weak asset quality (2.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 8.9. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Asset Mix:
Home mtgs (29%), comm re (19%), securities (13%), comm loans (7%), consumer loans (3%), cash (3%), home eq lns (2%), other (24%)
States with Branches:
AR, 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
Washco Bancshares, Inc.
Investment Rating
--
Address
625 Veterans Drive
Mineral Point, MO 63660
Mineral Point, MO 63660
Phone Number
(573) 438-5421
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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