Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.7, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 34.4 percent. Fair current capitalization (3.6 on a scale of 0 to 10) based on a risk-based capital ratio of 10.7 and a capital leverage ratio of 7.4.
Asset Mix:
Securities (30%), home mtgs (21%), cash (13%), comm re (7%), consumer loans (6%), comm loans (5%), home eq lns (1%), other (18%)
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
Investment Rating
--
Address
28 Medical Drive
Alton, MO 65606
Alton, MO 65606
Phone Number
(417) 778-7211
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.