Chillicothe State Bank
Major Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Good asset quality (6.1). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 7.9.
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 (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (35%), home mtgs (25%), cash (7%), comm re (7%), consumer loans (4%), comm loans (3%), other (19%)
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
C.S. Bancshares, Inc.
Investment Rating
--
Address
600 Washington Street
Chillicothe, MO 64601
Chillicothe, MO 64601
Phone Number
(660) 646-5120
Year Founded
1937
FDIC Number
Website
Largest Affiliates
Concordia, MO
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Bank