Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.2 and a capital leverage ratio of 15.3. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
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). Fair liquidity 4.0, driven by a liquidity ratio of 30.4 percent and a “hot money” ratio of 28.7 percent.
Asset Mix:
Securities (48%), comm loans (7%), cash (3%), consumer loans (2%), comm re (2%), other (38%)
States with Branches:
KS
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
Beutler, Inc.
Investment Rating
--
Address
206 North Pennsylvania Avenue
Ness City, KS 67560
Ness City, KS 67560
Phone Number
(785) 798-3347
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.