Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 13.6. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (6.3). 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:
Home mtgs (24%), cash (19%), comm re (9%), securities (9%), comm loans (4%), consumer loans (2%), home eq lns (1%), 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
Missouri Bancorp, Inc.
Investment Rating
--
Address
904 Walton Way
Richmond, MO 64085
Richmond, MO 64085
Phone Number
(816) 470-2265
Year Founded
2001
FDIC Number
Largest Affiliates
No affiliate information available.