Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 8.9. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Other Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 18.0 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Securities (30%), home mtgs (26%), comm re (8%), cash (7%), comm loans (3%), consumer loans (2%), other (25%)
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
C.S. Bancshares, Inc.
Investment Rating
--
Address
101 NW Second Street
Concordia, MO 64020
Concordia, MO 64020
Phone Number
(660) 463-2194
Year Founded
1884
FDIC Number
Website
Largest Affiliates
Chillicothe, MO
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Bank