Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (21%), home mtgs (16%), comm re (15%), comm loans (4%), cash (4%), home eq lns (1%), consumer loans (1%), other (38%)
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
R. Dean Phillips Bank Trust Dated 11-19-2004
Investment Rating
--
Address
100 North Main Street
Hannibal, MO 63401
Hannibal, MO 63401
Phone Number
(573) 221-0050
Year Founded
1888
FDIC Number
Website
Largest Affiliates
No affiliate information available.