Major Rating Factors:
A current level of 17.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Fair asset quality (3.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.5) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.5.
Asset Mix:
Home mtgs (36%), cash (9%), comm re (7%), securities (5%), consumer loans (4%), comm loans (4%), home eq lns (2%), other (33%)
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
Ozark Bancorp, Inc.
Investment Rating
--
Address
904 West Scenic Rivers Boulevard
Salem, MO 65560
Salem, MO 65560
Phone Number
(573) 729-4146
Year Founded
1965
FDIC Number
Largest Affiliates
No affiliate information available.