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 (2.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 25.6 percent and a “hot money” ratio of 10.2 percent. A current level of 7.3 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (29%), home mtgs (28%), comm re (8%), cash (7%), comm loans (7%), consumer loans (2%), other (20%)
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.