Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 9.5. A current level of 5.0 percent of nonperforming loans to core capital combined with 26.1 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Home mtgs (37%), securities (9%), comm loans (5%), comm re (5%), consumer loans (3%), cash (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
CMJR Investments, Inc.
Investment Rating
--
Address
817 Topeka Avenue
Lyndon, KS 66451
Lyndon, KS 66451
Phone Number
(785) 828-4411
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.