Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 10.6. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (38%), home mtgs (12%), comm loans (10%), comm re (8%), consumer loans (3%), cash (2%), other (26%)
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
Farmers Bancshares, Inc.
Investment Rating
--
Address
201 West Main Street
Maysville, MO 64469
Maysville, MO 64469
Phone Number
(816) 449-2182
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.