Chillicothe State Bank
Major Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.7) profitability.
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Securities (35%), home mtgs (25%), cash (8%), comm re (7%), consumer loans (4%), comm loans (3%), other (17%)
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
Richmond, MO
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Bank