Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.3 and a capital leverage ratio of 14.2. 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).
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.2). Weak liquidity 2.4, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 31.2 percent.
Asset Mix:
Home mtgs (38%), securities (20%), cash (9%), comm re (7%), consumer loans (3%), comm loans (3%), other (20%)
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
Investment Rating
--
Address
210 East Second Street
Norborne, MO 64668
Norborne, MO 64668
Phone Number
(660) 593-3313
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.