Major 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 (4.3 on a scale of 0 to 10). A current level of 2.5 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (7.9) profitability.
Asset Mix:
Home mtgs (32%), comm re (16%), securities (15%), cash (6%), comm loans (6%), consumer loans (5%), 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
Turner Bancshares, Inc.
Investment Rating
--
Address
14185 Highway C
Belgrade, MO 63622
Belgrade, MO 63622
Phone Number
(573) 766-5315
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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