Bank of Franklin County
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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.8) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (8.5). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.8.
Asset Mix:
Comm re (26%), home mtgs (23%), comm loans (17%), securities (10%), cash (4%), consumer loans (1%), home eq lns (1%), other (18%)
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
Franklin Bancorp, Inc.
Investment Rating
--
Address
900 East Eighth Street
Washington, MO 63090
Washington, MO 63090
Phone Number
(636) 239-6600
Year Founded
2000
FDIC Number
Largest Affiliates
No affiliate information available.