Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts

The Boone County National Bank of Columbia

The Boone County National Bank of Columbia
Overview / Commentary
720 East Broadway Street
Columbia, MO 65201

The Boone County National Bank of Columbia is headquartered in Columbia and is the 15st largest bank in the state of Missouri. It is also the 472nd largest bank in the nation. It was established in 1857 and as of March of 2014, it had grown to 312 employees at 18 locations. The Boone County National Bank of Columbia has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Boone County National Bank of Columbia had $2.63 million in non-current loans and owned real-estate with $140.16 million in equity and loan loss allowances on hand to cover it. This gives The Boone County National Bank of Columbia a Texas Ratio of 1.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for The Boone County National Bank of Columbia decreased dramatically from 2.85% as of March 31, 2013 to 1.88% as of March 31, 2014, resulting in a positive change of 34.25%.This indicates that the balance sheet and financial strength for The Boone County National Bank of Columbia has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, The Boone County National Bank of Columbia has decreased its total deposits by -$1.03 million, resulting in -0.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Boone County National Bank of Columbia has shown is average.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Boone County National Bank of Columbia has $1.45 billion in assets with $140.16 million in equity, resulting in a capitalization level of 9.66%, which is above average.

Institution Statistics

Overall
FDIC Certificate #4536
Year Established1857
Employees312
Primary RegulatorOCC
Assets and Liabilities
Assets$1.45 billion
Loans$833.11 million
Deposits$1.21 billion
Equity Capital$123.77 million
Loan Loss Allowance$16.38 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.47 billion
Equity Capital$121.76 million
Loan Loss Allowance$17.25 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$380,000
Profit Margin - Quarterly
Net Interest Margin3.12%
Return on Assets1.19%
Return on Equity13.82%
Interest Income$10.90 million
Rates

Sorry, we do not have rate data for The Boone County National Bank of Columbia

Locations

The Boone County National Bank of Columbia has 18 locations. Click to view all The Boone County National Bank of Columbia locations.