Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 13.2. 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.
Asset Mix:
Comm re (35%), home mtgs (22%), comm loans (6%), cash (5%), home eq lns (3%), securities (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.