Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.1). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 9.2.
Other 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 (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (25%), securities (19%), comm loans (14%), consumer loans (3%), cash (2%), other (37%)
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
Wilson Bancshares, Inc.
Investment Rating
--
Address
422 26th Street
Wilson, KS 67490
Wilson, KS 67490
Phone Number
(785) 658-3441
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.