Bank of Monticello
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). A current level of 11.5 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Securities (26%), home mtgs (11%), comm re (10%), cash (7%), comm loans (5%), consumer loans (2%), other (39%)
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
Monticello Bancshares, Inc.
Investment Rating
--
Address
201 East Lafayette Street
Monticello, MO 63457
Monticello, MO 63457
Phone Number
(573) 767-5264
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.