Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm re (10%), home mtgs (9%), comm loans (8%), cash (8%), consumer loans (5%), other (37%)
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
Adrian Bancshares, Inc.
Investment Rating
--
Address
130 East Main Street
Adrian, MO 64720
Adrian, MO 64720
Phone Number
(816) 297-2194
Year Founded
1932
FDIC Number
Website
Largest Affiliates
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