Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 10.3. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.4) profitability. 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).
Asset Mix:
Securities (36%), home mtgs (16%), comm re (12%), cash (11%), comm loans (5%), consumer loans (2%), home eq lns (2%), other (15%)
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
Trustco Bankshares, Inc.
Investment Rating
--
Address
310 West 92 Highway
Kearney, MO 64060
Kearney, MO 64060
Phone Number
(816) 628-6666
Year Founded
1882
FDIC Number
Website
Largest Affiliates
No affiliate information available.