Major Rating Factors:
A current level of 10.6 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability. Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 10.3 and a capital leverage ratio of 7.8.
Asset Mix:
Home mtgs (29%), comm re (17%), comm loans (14%), cash (5%), home eq lns (2%), consumer loans (2%), securities (2%), other (29%)
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
Heritage Management Company, Inc.
Investment Rating
--
Address
101 South Main Street
Chamois, MO 65024
Chamois, MO 65024
Phone Number
(573) 763-5958
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.