Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.5 and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Asset Mix:
Securities (29%), comm loans (11%), home mtgs (8%), comm re (7%), consumer loans (2%), cash (1%), other (42%)
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
Swedish-American Bancshares, Inc.
Investment Rating
--
Address
324 Liberty Street
Courtland, KS 66939
Courtland, KS 66939
Phone Number
(785) 374-4231
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.