Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.1). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.4 and a capital leverage ratio of 8.0.
Other 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 (4.7 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 37.9 percent and a “hot money” ratio of 8.0 percent.
Asset Mix:
Securities (30%), cash (23%), home mtgs (13%), comm re (4%), comm loans (3%), home eq lns (1%), consumer loans (1%), other (25%)
States with Branches:
KS, 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
Community Bancshares, Inc.
Investment Rating
--
Address
100 South Wood Street
Neosho, MO 64850
Neosho, MO 64850
Phone Number
(417) 451-1040
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.