Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.0). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 8.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (32%), securities (30%), comm re (9%), cash (4%), comm loans (4%), consumer loans (2%), home eq lns (1%), other (19%)
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
Ottawa Bancshares, Inc.
Investment Rating
--
Address
902 Merchant Street
Emporia, KS 66801
Emporia, KS 66801
Phone Number
(620) 342-3523
Year Founded
1913
FDIC Number
Website
Largest Affiliates
Salina, KS
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Bank
Hoisington, KS
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Bank