Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 8.5.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 15.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Securities (39%), home mtgs (18%), consumer loans (8%), comm re (7%), cash (5%), comm loans (5%), home eq lns (3%), other (16%)
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
Southwest Missouri Bancorporation, Inc.
Investment Rating
--
Address
300 West Third Street
Carthage, MO 64836
Carthage, MO 64836
Phone Number
(417) 358-9331
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.