Major Rating Factors:
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). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.5. A current level of 2.4 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (36%), securities (8%), comm re (5%), comm loans (5%), consumer loans (2%), cash (1%), other (43%)
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
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