Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 8.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 21.0 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Securities (47%), home mtgs (16%), comm loans (9%), consumer loans (6%), cash (4%), comm re (4%), 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
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