Major Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (31%), securities (21%), comm loans (10%), comm re (7%), cash (6%), consumer loans (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
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
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