Lead Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (8.5) profitability. 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).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 24.6 and a capital leverage ratio of 7.8. Good liquidity 5.3, driven by a liquidity ratio of 39.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Cash (36%), consumer loans (27%), securities (11%), comm re (7%), comm loans (2%), home mtgs (1%), other (16%)
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
Luna Parent, Inc.
Investment Rating
--
Address
1801 Main Street
Kansas City, MO 64108
Kansas City, MO 64108
Phone Number
(866) 845-9545
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.