Major 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 (4.6 on a scale of 0 to 10). A current level of 6.8 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability. Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 8.8.
Asset Mix:
Comm re (35%), home mtgs (22%), securities (19%), cash (6%), comm loans (6%), consumer loans (0%), other (12%)
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
Wilson Bancshares, Inc.
Investment Rating
--
Address
18255 Highway 45 North
Weston, MO 64098
Weston, MO 64098
Phone Number
(816) 640-5252
Year Founded
1893
FDIC Number
Website
Largest Affiliates
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