Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 0.0 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.6) profitability. Fair liquidity 3.8, driven by a liquidity ratio of 38.4 percent and a “hot money” ratio of 29.8 percent.
Asset Mix:
Securities (40%), home mtgs (17%), comm loans (7%), comm re (7%), consumer loans (4%), cash (4%), other (21%)
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
Galva Bancshares, Inc.
Investment Rating
--
Address
2074 East Kansas Avenue
McPherson, KS 67460
McPherson, KS 67460
Phone Number
(620) 241-3090
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.