Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 147.9 and a capital leverage ratio of 28.4. A current level of 0.5 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability.
Asset Mix:
Cash (71%), consumer loans (10%), comm loans (5%), securities (3%), home mtgs (0%), other (11%)
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
CB Bancshares Corp
Investment Rating
--
Address
109 East Main Street
Weir, KS 66781
Weir, KS 66781
Phone Number
(620) 396-8221
Year Founded
1892
FDIC Number
Largest Affiliates
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