UNICO Bank
Major Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm re (18%), securities (11%), cash (6%), comm loans (6%), consumer loans (4%), home eq lns (2%), other (25%)
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
No affiliate information available.