Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.3) profitability. 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).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 8.5. A current level of 6.6 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (29%), securities (28%), comm re (8%), comm loans (7%), cash (5%), consumer loans (1%), other (22%)
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.