Major Rating Factors:
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). A current level of 3.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.1) profitability.
Asset Mix:
Home mtgs (29%), securities (14%), comm loans (9%), comm re (6%), consumer loans (6%), cash (5%), other (30%)
States with Branches:
IL, 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
Miles Bancshares, Inc.
Investment Rating
--
Address
105 East Gabriel Street
Advance, MO 63730
Advance, MO 63730
Phone Number
(573) 722-3517
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.