Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.1). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), comm re (21%), securities (21%), cash (11%), comm loans (3%), home eq lns (1%), consumer loans (1%), other (17%)
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
Investment Rating
--
Address
106-112 North Second Avenue
Ozark, MO 65721
Ozark, MO 65721
Phone Number
(417) 581-2321
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.