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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.7) profitability.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.3.
Asset Mix:
Home mtgs (35%), comm re (14%), securities (12%), cash (8%), comm loans (5%), home eq lns (3%), consumer loans (2%), other (21%)
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
Phelps County Bancshares, Inc.
Investment Rating
--
Address
718 North Pine Street
Rolla, MO 65401
Rolla, MO 65401
Phone Number
(573) 364-5202
Year Founded
1963
FDIC Number
Website
Largest Affiliates
No affiliate information available.