Major Rating Factors:
A current level of 22.2 percent of nonperforming loans to core capital combined with 20.5 percent from a year earlier contributes to the Weak asset quality (1.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Securities (25%), comm re (15%), comm loans (6%), home mtgs (5%), cash (4%), home eq lns (1%), consumer loans (1%), other (45%)
States with Branches:
CO, 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
First National Bancshares, Inc.
Investment Rating
--
Address
202 East 11th Street
Goodland, KS 67735
Goodland, KS 67735
Phone Number
(785) 890-2000
Year Founded
1886
FDIC Number
Website
Largest Affiliates
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