Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 7.6.
Asset Mix:
Securities (42%), home mtgs (22%), cash (9%), comm re (4%), comm loans (3%), consumer loans (2%), home eq lns (1%), other (17%)
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
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