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 (4.3 on a scale of 0 to 10). A current level of 1.8 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.0 has resulted in Excellent (8.6) profitability. Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.3.
Asset Mix:
Securities (40%), cash (6%), home mtgs (6%), comm loans (4%), comm re (3%), consumer loans (1%), other (41%)
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
The Peoples Bankshares Ltd.
Investment Rating
--
Address
222 South Main Street
Pratt, KS 67124
Pratt, KS 67124
Phone Number
(620) 672-5611
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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