Major Rating Factors:
A current level of 22.8 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Fair asset quality (3.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (14%), comm re (13%), securities (8%), comm loans (5%), cash (2%), home eq lns (1%), consumer loans (1%), other (56%)
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
Northern Missouri Bancshares, Inc.
Investment Rating
--
Address
101 South Church Street
Fayette, MO 65248
Fayette, MO 65248
Phone Number
(660) 248-3388
Year Founded
1927
FDIC Number
Website
Largest Affiliates
Unionville, MO
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Bank
Concordia, MO
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Bank