Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.8. A current level of 5.5 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (27%), home mtgs (24%), comm re (21%), comm loans (8%), cash (6%), home eq lns (3%), consumer loans (2%), other (9%)
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
Farmers & Merchants Bancorp, Inc.
Investment Rating
--
Address
505 Broadway
Hannibal, MO 63401
Hannibal, MO 63401
Phone Number
(573) 221-6424
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.