FCNB Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.5). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 10.6 and a capital leverage ratio of 7.6.
Asset Mix:
Securities (24%), comm re (19%), home mtgs (15%), comm loans (9%), cash (8%), consumer loans (3%), home eq lns (2%), other (20%)
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
Steelville Community Banc-Shares, Inc.
Investment Rating
--
Address
402 West Main Street
Steelville, MO 65565
Steelville, MO 65565
Phone Number
(573) 466-4180
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.