Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.3. A current level of 4.5 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Good asset quality (6.1).
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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (36%), securities (23%), cash (9%), consumer loans (4%), comm re (3%), comm loans (2%), other (24%)
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
Judson Young Memorial Education Foundation, Inc.
Investment Rating
--
Address
100 West Fourth Street
Salem, MO 65560
Salem, MO 65560
Phone Number
(573) 729-3137
Year Founded
1883
FDIC Number
Website
Largest Affiliates
No affiliate information available.