Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.6.
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 (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.3) profitability.
Asset Mix:
Securities (37%), home mtgs (11%), comm loans (10%), comm re (8%), cash (4%), consumer loans (3%), other (27%)
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.