Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.5. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.1 has resulted in Excellent (9.0) 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 (8.0 on a scale of 0 to 10). A current level of 7.3 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Cash (15%), home mtgs (8%), comm loans (7%), securities (6%), comm re (6%), consumer loans (3%), other (55%)
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
R. Dean Phillips Bank Trust Dated 11-19-2004
Investment Rating
--
Address
117 South Main Street
Edina, MO 63537
Edina, MO 63537
Phone Number
(660) 397-2266
Year Founded
1914
FDIC Number
Website
Largest Affiliates
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