Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 18.0. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (38%), cash (3%), comm loans (2%), consumer loans (2%), home mtgs (1%), comm re (1%), other (54%)
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
Bern Bancshares, Inc.
Investment Rating
--
Address
402 Main Street
Bern, KS 66408
Bern, KS 66408
Phone Number
(785) 336-6121
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.