Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 5.6 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (34%), comm re (8%), home mtgs (6%), cash (4%), comm loans (3%), consumer loans (2%), home eq lns (1%), other (42%)
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
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