American Bank of Freedom
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability. A current level of 10.3 percent of nonperforming loans to core capital combined with 15.5 percent from a year earlier contributes to the Fair asset quality (3.1).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 10.0. 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).
Asset Mix:
Comm re (24%), home mtgs (14%), cash (14%), securities (9%), comm loans (7%), home eq lns (2%), other (30%)
States with Branches:
CO, IL, IN, MO, TN
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
Evergreen Bancshares, Inc.
Investment Rating
--
Address
106 East Hudson Street
Wellsville, MO 63384
Wellsville, MO 63384
Phone Number
(573) 684-2928
Year Founded
1880
FDIC Number
Largest Affiliates
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