Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Good asset quality (5.5). Fair liquidity 4.0, driven by a liquidity ratio of 33.7 percent and a “hot money” ratio of 20.0 percent.
Asset Mix:
Securities (45%), home mtgs (17%), cash (5%), comm loans (5%), comm re (2%), consumer loans (2%), other (25%)
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
Prism Group, Inc.
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
No affiliate information available.