Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Weak (1.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Comm re (45%), comm loans (24%), securities (9%), home mtgs (5%), cash (4%), consumer loans (0%), other (13%)
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
Summit Bancshares, Inc.
Investment Rating
--
Address
404 South Grand Avenue
Houston, MO 65483
Houston, MO 65483
Phone Number
(417) 967-3351
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.