Valley State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.4).
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 (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (37%), home mtgs (18%), comm re (16%), consumer loans (7%), cash (5%), comm loans (5%), home eq lns (1%), 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
Morley Bancshares Corporation
Investment Rating
--
Address
502 North Merchant Street
Belle Plaine, KS 67013
Belle Plaine, KS 67013
Phone Number
(620) 488-2211
Year Founded
1897
FDIC Number
Largest Affiliates
No affiliate information available.