Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.5) profitability. A current level of 6.7 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Home mtgs (31%), cash (10%), comm re (6%), comm loans (4%), home eq lns (3%), consumer loans (1%), other (45%)
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 Miami Bancshares, Inc.
Investment Rating
--
Address
104 Northeast Elm Street
Billings, MO 65610
Billings, MO 65610
Phone Number
(417) 744-2567
Year Founded
1889
FDIC Number
Website
Largest Affiliates
Miami, OK
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Bank