Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (28%), home mtgs (7%), comm loans (7%), comm re (4%), consumer loans (2%), cash (1%), other (52%)
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
Guaranty, Inc.
Investment Rating
--
Address
201 South Mill Street
Beloit, KS 67420
Beloit, KS 67420
Phone Number
(785) 738-3501
Year Founded
1922
FDIC Number
Website
Largest Affiliates
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