Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 9.3. A current level of 2.1 percent of nonperforming loans to core capital combined with 14.2 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.9) profitability. Fair liquidity 4.3, driven by a liquidity ratio of 38.4 percent and a “hot money” ratio of 19.9 percent.
Asset Mix:
Securities (49%), home mtgs (15%), cash (5%), comm loans (5%), consumer loans (1%), comm re (1%), other (23%)
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
Sabre Corporation
Investment Rating
--
Address
111 North Davis Street
Hamilton, MO 64644
Hamilton, MO 64644
Phone Number
(816) 583-2143
Year Founded
1938
FDIC Number
Website
Largest Affiliates
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