Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 38.8 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (34%), home mtgs (24%), comm re (7%), consumer loans (6%), cash (5%), 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.