Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 9.7. A current level of 1.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Comm re (24%), home mtgs (21%), securities (11%), comm loans (9%), cash (5%), home eq lns (2%), consumer loans (1%), other (26%)
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
Rhineland Bancshares, Inc
Investment Rating
--
Address
101 Bluff Street
Rhineland, MO 65069
Rhineland, MO 65069
Phone Number
(573) 236-4414
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.