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 (5.0 on a scale of 0 to 10). A current level of 6.7 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (19%), comm re (19%), securities (14%), comm loans (10%), cash (6%), home eq lns (2%), consumer loans (1%), other (30%)
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
Callaway Security Banks, Inc.
Investment Rating
--
Address
Five East Fifth Street
Fulton, MO 65251
Fulton, MO 65251
Phone Number
(573) 642-3322
Year Founded
1857
FDIC Number
Website
Largest Affiliates
No affiliate information available.