Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (9.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). A current level of 6.6 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Cash (34%), home mtgs (19%), comm re (10%), securities (4%), comm loans (3%), consumer loans (2%), home eq lns (1%), other (27%)
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.