Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other 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 (4.7 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 18.1 percent and a “hot money” ratio of 9.1 percent.
Asset Mix:
Securities (45%), home mtgs (14%), cash (6%), comm re (5%), comm loans (4%), home eq lns (3%), consumer loans (1%), other (22%)
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
No affiliate information available.