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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.0.
Asset Mix:
Home mtgs (28%), comm re (19%), cash (9%), securities (4%), comm loans (3%), consumer loans (0%), other (37%)
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
NEMO Bancshares, Inc
Investment Rating
--
Address
101 East Broadway Street
Madison, MO 65263
Madison, MO 65263
Phone Number
Year Founded
1888
FDIC Number
Website
Largest Affiliates
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