Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.0) profitability. 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).
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Good asset quality (7.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (30%), comm re (20%), cash (7%), securities (5%), comm loans (3%), consumer loans (0%), other (36%)
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
(660) 291-3041
Year Founded
1888
FDIC Number
Website
Largest Affiliates
No affiliate information available.