Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.5. A current level of 5.9 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 37.7 percent and a “hot money” ratio of 1.4 percent.
Asset Mix:
Home mtgs (48%), cash (19%), securities (8%), comm loans (0%), comm re (0%), consumer loans (0%), 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
Columbia Bancshares, Inc
Investment Rating
--
Address
109 East Street
Clarence, MO 63437
Clarence, MO 63437
Phone Number
(660) 699-2343
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.