Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.4 and a capital leverage ratio of 16.2. A current level of 1.7 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (9.1).
Asset Mix:
Securities (47%), comm re (9%), home mtgs (6%), cash (4%), comm loans (3%), consumer loans (1%), other (30%)
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
1889 Bancshares, Inc.
Investment Rating
--
Address
100 West Walnut Street
Nevada, MO 64772
Nevada, MO 64772
Phone Number
(417) 667-3057
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.