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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 10.9. A current level of 10.6 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.2).
Asset Mix:
Consumer loans (39%), comm re (15%), securities (7%), cash (6%), comm loans (4%), home mtgs (1%), other (27%)
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
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