First State Community Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (22%), home mtgs (20%), securities (14%), comm loans (7%), cash (5%), home eq lns (2%), consumer loans (2%), other (29%)
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 State Bancshares, Inc.
Investment Rating
--
Address
201 East Columbia Street
Farmington, MO 63640
Farmington, MO 63640
Phone Number
(573) 756-4547
Year Founded
1954
FDIC Number
Website
Largest Affiliates
No affiliate information available.