Major Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Securities (45%), home mtgs (13%), cash (10%), comm re (6%), comm loans (4%), home eq lns (4%), consumer loans (1%), other (16%)
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
Investment Rating
--
Address
236 North Main Street
Ottawa, KS 66067
Ottawa, KS 66067
Phone Number
(785) 242-3600
Year Founded
1917
FDIC Number
Website
Largest Affiliates
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