Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 7.3. Weak liquidity 2.7, driven by a liquidity ratio of 16.8 percent and a “hot money” ratio of 21.6 percent.
Asset Mix:
Securities (16%), home mtgs (15%), cash (13%), comm re (13%), comm loans (12%), consumer loans (9%), 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
Eminence Bankshares, Inc.
Investment Rating
--
Address
18479 Main Street
Eminence, MO 65466
Eminence, MO 65466
Phone Number
(573) 226-3222
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.