Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.0) profitability. A current level of 10.7 percent of nonperforming loans to core capital combined with 20.1 percent from a year earlier contributes to the Fair asset quality (4.2).
Asset Mix:
Securities (21%), home mtgs (13%), cash (12%), comm loans (8%), comm re (7%), consumer loans (2%), other (38%)
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
Lincoln County Bancorp, Inc.
Investment Rating
--
Address
268 North Johnson Street
Kahoka, MO 63445
Kahoka, MO 63445
Phone Number
(660) 727-3344
Year Founded
1903
FDIC Number
Website
Largest Affiliates
Troy, MO
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Bank
Altenburg, MO
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Bank