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 11.8 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.5 and a capital leverage ratio of 14.0. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.1 has resulted in Excellent (9.7) profitability.
Asset Mix:
Home mtgs (35%), cash (14%), securities (13%), comm re (10%), comm loans (6%), home eq lns (3%), consumer loans (2%), 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
Country Agencies & Investments, Inc.
Investment Rating
--
Address
301 West US Highway 40
Odessa, MO 64076
Odessa, MO 64076
Phone Number
(816) 230-4512
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.