Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (45%), home mtgs (16%), comm loans (9%), consumer loans (6%), cash (6%), comm re (3%), other (15%)
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
Investment Rating
--
Address
1901 Main Street
Parsons, KS 67357
Parsons, KS 67357
Phone Number
(620) 421-1000
Year Founded
1874
FDIC Number
Website
Largest Affiliates
No affiliate information available.