First Missouri State Bank of Cape 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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.3.
Asset Mix:
Comm re (21%), home mtgs (20%), cash (11%), comm loans (10%), securities (5%), home eq lns (1%), 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
FMS Bancorp, Inc.
Investment Rating
--
Address
2 South Mt. Auburn Rd.
Cape Girardeau, MO 63703
Cape Girardeau, MO 63703
Phone Number
(573) 334-9000
Year Founded
2002
FDIC Number
Largest Affiliates
Poplar Bluff, MO
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Bank