Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (33%), comm re (18%), cash (12%), home mtgs (7%), comm loans (4%), consumer loans (3%), home eq lns (1%), other (23%)
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