Major Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 8.7. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.8) profitability.
Other 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 (5.0 on a scale of 0 to 10). A current level of 12.6 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Fair asset quality (4.6).
Asset Mix:
Securities (34%), home mtgs (26%), comm re (8%), cash (6%), comm loans (2%), consumer loans (2%), other (21%)
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
Richmond, MO
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Bank