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 (3.4) 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:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 8.6. A current level of 5.6 percent of nonperforming loans to core capital combined with 21.1 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Securities (51%), home mtgs (12%), comm loans (10%), cash (9%), consumer loans (5%), comm re (4%), other (9%)
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.