Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.7. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Asset Mix:
Securities (23%), home mtgs (20%), cash (9%), comm re (4%), comm loans (1%), home eq lns (1%), consumer loans (1%), other (41%)
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
Silex Bancshares, Inc.
Investment Rating
--
Address
20 South Second Street
Silex, MO 63377
Silex, MO 63377
Phone Number
(573) 384-5221
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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