Major Rating Factors:
A current level of 14.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Weak asset quality (2.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Comm re (34%), home mtgs (23%), comm loans (7%), cash (4%), securities (2%), home eq lns (2%), consumer loans (1%), other (27%)
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
Citizens Financial Group, Inc.
Investment Rating
--
Address
100 Circle Drive
New Haven, MO 63068
New Haven, MO 63068
Phone Number
(573) 237-3051
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.