Major 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 (8.4 on a scale of 0 to 10). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 9.2.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (4.9) profitability.
Asset Mix:
Comm re (28%), home mtgs (23%), comm loans (11%), cash (9%), home eq lns (2%), securities (2%), consumer loans (0%), other (25%)
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
Montgomery Bancorporation, Inc.
Investment Rating
--
Address
One Montgomery Bank Plaza
Sikeston, MO 63801
Sikeston, MO 63801
Phone Number
(573) 471-2275
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.