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 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.5) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9.
Asset Mix:
Comm loans (60%), cash (12%), securities (3%), home mtgs (1%), comm re (1%), other (24%)
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
Reliable Community Bancshares, Inc.
Investment Rating
--
Address
7801 Forsyth Blvd.
Clayton, MO 63105
Clayton, MO 63105
Phone Number
(314) 721-2265
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.