Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 3.1, driven by a liquidity ratio of 15.8 percent and a “hot money” ratio of 25.6 percent.
Asset Mix:
Securities (38%), comm re (7%), home mtgs (6%), comm loans (3%), cash (3%), consumer loans (2%), home eq lns (1%), other (40%)
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
Macon-Atlanta Bancorp, Inc.
Investment Rating
--
Address
1513 North Missouri Street
Macon, MO 63552
Macon, MO 63552
Phone Number
(660) 385-3161
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.