Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.9 has resulted in Excellent (8.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). A current level of 9.4 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Home mtgs (25%), securities (12%), cash (10%), comm re (8%), consumer loans (7%), comm loans (7%), other (29%)
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
Citizens Bancshares of Eldon, Missouri, Inc.
Investment Rating
--
Address
110 North Maple Street
Eldon, MO 65026
Eldon, MO 65026
Phone Number
(573) 392-3381
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.