Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 24.3 and a capital leverage ratio of 9.4.
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 36.0 percent and a “hot money” ratio of 1.4 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (51%), comm loans (16%), cash (15%), comm re (7%), home eq lns (3%), home mtgs (3%), consumer loans (1%), other (5%)
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
LoLyn Financial Corporation
Investment Rating
--
Address
801 West Foxwood Drive
Raymore, MO 64083
Raymore, MO 64083
Phone Number
(816) 322-2100
Year Founded
1979
FDIC Number
Website
Largest Affiliates
Pleasant Hill, MO
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Bank