First Missouri State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 3.0 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.1) profitability. Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.0.
Asset Mix:
Home mtgs (32%), cash (14%), comm loans (10%), comm re (10%), consumer loans (3%), other (31%)
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
Poplar Bluff Bancorp, Inc.
Investment Rating
--
Address
2910 Barron Road
Poplar Bluff, MO 63901
Poplar Bluff, MO 63901
Phone Number
(573) 785-6800
Year Founded
1912
FDIC Number
Largest Affiliates
Cape Girardeau, MO
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Bank