First State Bank of St. Charles, Missouri
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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 15.5. A current level of 3.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Home mtgs (51%), comm re (11%), comm loans (7%), securities (6%), home eq lns (5%), cash (4%), consumer loans (0%), other (16%)
States with Branches:
KS, 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
First State Bancshares, Inc.
Investment Rating
--
Address
206 North Fifth Street
Saint Charles, MO 63301
Saint Charles, MO 63301
Phone Number
(636) 940-5555
Year Founded
1867
FDIC Number
Website
Largest Affiliates
No affiliate information available.