Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (42%), cash (19%), securities (11%), consumer loans (6%), comm re (4%), comm loans (2%), home eq lns (1%), other (16%)
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
Harris Taubman Financial Corporation
Investment Rating
--
Address
119 North Main Street
Fayette, MO 65248
Fayette, MO 65248
Phone Number
(660) 248-2222
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.