Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.6) profitability. A current level of 11.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (34%), comm re (21%), home mtgs (8%), cash (8%), comm loans (6%), consumer loans (1%), home eq lns (1%), other (20%)
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
Lincoln County Bancorp, Inc.
Investment Rating
--
Address
430 East Wood Street
Troy, MO 63379
Troy, MO 63379
Phone Number
(636) 528-7001
Year Founded
1924
FDIC Number
Website
Largest Affiliates
Kahoka, MO
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Bank
Altenburg, MO
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Bank