Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (19%), securities (19%), comm re (8%), comm loans (7%), cash (3%), home eq lns (2%), consumer loans (1%), other (40%)
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
Lincoln County Bancorp, Inc.
Investment Rating
--
Address
8537 Main Street
Altenburg, MO 63732
Altenburg, MO 63732
Phone Number
(573) 824-5221
Year Founded
1910
FDIC Number
Website
Largest Affiliates
Troy, MO
-
Bank
Kahoka, MO
-
Bank