Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 8.9. A current level of 9.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), comm re (14%), cash (13%), securities (9%), comm loans (5%), home eq lns (4%), consumer loans (1%), other (22%)
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
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