Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 14.6 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 an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.0) profitability. Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Asset Mix:
Comm re (19%), comm loans (14%), home mtgs (11%), cash (7%), securities (5%), consumer loans (1%), home eq lns (1%), other (42%)
States with Branches:
IL, 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
Byron B. Webb, Inc.
Investment Rating
--
Address
400 South Main Street
Palmyra, MO 63461
Palmyra, MO 63461
Phone Number
(573) 769-2001
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.