Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (3.8) profitability. A current level of 8.7 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 8.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Cash (15%), home mtgs (15%), securities (15%), comm re (12%), comm loans (11%), consumer loans (1%), other (32%)
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
Purdy Bancshares, Inc.
Investment Rating
--
Address
100 Kay Avenue
Purdy, MO 65734
Purdy, MO 65734
Phone Number
(417) 442-3247
Year Founded
1944
FDIC Number
Website
Largest Affiliates
No affiliate information available.