Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 9.3. A current level of 4.5 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Good (5.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Securities (42%), home mtgs (16%), cash (9%), comm loans (8%), consumer loans (7%), 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.