Farmers and Merchants Bank of Mound City, Kansas
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Fair current capitalization (4.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 6.3.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 27.4 percent and a “hot money” ratio of 30.8 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (32%), cash (25%), comm loans (9%), securities (8%), comm re (7%), consumer loans (6%), other (14%)
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
Cunningham Agency, Inc.
Investment Rating
--
Address
103 South Fifth Street
Mound City, KS 66056
Mound City, KS 66056
Phone Number
(913) 795-2212
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.