Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.8 and a capital leverage ratio of 15.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.5) profitability. A current level of 13.0 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (37%), cash (21%), securities (16%), consumer loans (9%), comm loans (2%), comm re (0%), other (15%)
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
Senath Bancshares, Inc.
Investment Rating
--
Address
117 East Commercial Street
Senath, MO 63876
Senath, MO 63876
Phone Number
(573) 738-2646
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.