Lead Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 27.5 and a capital leverage ratio of 7.7. Good liquidity 5.1, driven by a liquidity ratio of 38.3 percent and a “hot money” ratio of 0.1 percent.
Asset Mix:
Cash (33%), consumer loans (28%), securities (9%), comm re (8%), comm loans (2%), home mtgs (2%), 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
Luna Parent, Inc.
Investment Rating
--
Address
1801 Main Street
Kansas City, MO 64108
Kansas City, MO 64108
Phone Number
(866) 845-9545
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.