Major Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (33%), comm re (18%), cash (9%), comm loans (6%), home eq lns (3%), securities (2%), consumer loans (2%), other (28%)
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
Mid-Missouri Holding Company, Inc.
Investment Rating
--
Address
318 West Main Street
Sullivan, MO 63080
Sullivan, MO 63080
Phone Number
(573) 468-3191
Year Founded
1895
FDIC Number
Website
Largest Affiliates
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