Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 7.7 percent. A current level of 7.5 percent of nonperforming loans to core capital combined with 19.9 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Securities (50%), comm loans (12%), home mtgs (12%), cash (7%), consumer loans (5%), comm re (4%), other (10%)
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
Eudora Bancshares, Inc.
Investment Rating
--
Address
739 Main Street
Eudora, KS 66025
Eudora, KS 66025
Phone Number
(785) 542-4200
Year Founded
1899
FDIC Number
Largest Affiliates
No affiliate information available.