Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.4 and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.5) 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 (8.0 on a scale of 0 to 10). A current level of 13.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Good asset quality (5.0).
Asset Mix:
Securities (27%), comm re (10%), home mtgs (9%), comm loans (9%), consumer loans (5%), cash (4%), 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
No affiliate information available.