Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). A current level of 20.8 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Fair asset quality (3.3).
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 12.6 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (28%), securities (25%), comm loans (9%), comm re (8%), cash (5%), consumer loans (1%), other (24%)
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
Investment Rating
--
Address
202 D Street
Creighton, MO 64739
Creighton, MO 64739
Phone Number
(660) 499-2421
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.