Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 9.4. A current level of 1.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 12.2 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (29%), home mtgs (18%), cash (9%), comm re (4%), consumer loans (3%), comm loans (2%), other (35%)
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
CSB Bancshares, Inc.
Investment Rating
--
Address
203 North Douglas Avenue
Ellsworth, KS 67439
Ellsworth, KS 67439
Phone Number
(785) 472-3141
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.