Major 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 (3.7 on a scale of 0 to 10). A current level of 2.1 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Asset Mix:
Comm re (26%), home mtgs (24%), comm loans (10%), securities (6%), cash (6%), consumer loans (1%), home eq lns (1%), other (26%)
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
PBS Bancshares, Inc.
Investment Rating
--
Address
1615 Cherokee Avenue
Seneca, MO 64865
Seneca, MO 64865
Phone Number
(417) 578-9010
Year Founded
1996
FDIC Number
Largest Affiliates
No affiliate information available.