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 (4.5 on a scale of 0 to 10). A current level of 6.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.2) profitability.
Asset Mix:
Consumer loans (55%), comm re (11%), securities (9%), cash (6%), comm loans (3%), home mtgs (2%), other (13%)
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
Northeast Kansas Bancshares, Inc.
Investment Rating
--
Address
113 East South Front Street
Orrick, MO 64077
Orrick, MO 64077
Phone Number
(816) 770-3311
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.