First Security Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 7.6.
Asset Mix:
Home mtgs (37%), securities (22%), cash (11%), comm loans (8%), consumer loans (7%), comm re (5%), other (10%)
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
First American Bancshares, Inc.
Investment Rating
--
Address
108 North Fourth Street
Union Star, MO 64494
Union Star, MO 64494
Phone Number
(816) 593-2291
Year Founded
1890
FDIC Number
Largest Affiliates
No affiliate information available.