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 (3.7 on a scale of 0 to 10). A current level of 2.9 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (28%), comm re (11%), securities (5%), comm loans (4%), consumer loans (1%), cash (1%), home eq lns (1%), other (49%)
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
F&C Bancorp, Inc.
Investment Rating
--
Address
1006 Eagle Crest Drive
Holden, MO 64040
Holden, MO 64040
Phone Number
(816) 850-5516
Year Founded
1881
FDIC Number
Website
Largest Affiliates
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