Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.0) profitability. Fair liquidity 3.3, driven by a liquidity ratio of 29.7 percent and a “hot money” ratio of 34.0 percent.
Asset Mix:
Securities (39%), home mtgs (24%), comm loans (5%), comm re (5%), cash (3%), consumer loans (3%), 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
Resource One, Inc.
Investment Rating
--
Address
201 South Main Street
Ulysses, KS 67880
Ulysses, KS 67880
Phone Number
(620) 356-4142
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.