First Bank of the Lake
Major Rating Factors:
A current level of 21.8 percent of nonperforming loans to core capital combined with 15.2 percent from a year earlier contributes to the Weak asset quality (2.2). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 4.2 percent and a “hot money” ratio of 31.9 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 7.1.
Asset Mix:
Comm re (46%), comm loans (42%), cash (4%), home mtgs (1%), securities (0%), consumer loans (0%), other (7%)
States with Branches:
MO, SC
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
FBOL Bancshares, Inc.
Investment Rating
--
Address
4558 Osage Beach Parkway
Osage Beach, MO 65065
Osage Beach, MO 65065
Phone Number
(573) 348-2265
Year Founded
1987
FDIC Number
Website
Largest Affiliates
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