Major Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.5.
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 (6.7 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 9.4 percent and a “hot money” ratio of 13.9 percent.
Asset Mix:
Home mtgs (23%), securities (17%), comm loans (8%), comm re (8%), cash (5%), home eq lns (2%), consumer loans (2%), other (35%)
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
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Bank
Kahoka, MO
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Bank