Major Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (7.0). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 18.9 and a capital leverage ratio of 8.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. Fair liquidity 4.3, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 6.5 percent.
Asset Mix:
Securities (45%), home mtgs (20%), cash (5%), comm re (5%), comm loans (3%), consumer loans (3%), home eq lns (1%), other (18%)
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
BOR Bancorp
Investment Rating
--
Address
205 Main Street
Rothville, MO 64676
Rothville, MO 64676
Phone Number
(660) 256-3212
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.