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 (9.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 33.4 and a capital leverage ratio of 8.5. Fair liquidity 5.0, driven by a liquidity ratio of 33.6 percent and a “hot money” ratio of 0.1 percent.
Asset Mix:
Cash (30%), consumer loans (30%), securities (12%), comm re (7%), comm loans (2%), home mtgs (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
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.