Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability.
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 (6.5 on a scale of 0 to 10). A current level of 6.0 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Securities (23%), home mtgs (12%), comm loans (8%), cash (6%), comm re (4%), consumer loans (2%), other (44%)
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
Flint Hills Bancshares, Inc.
Investment Rating
--
Address
410 East Main Street
Gridley, KS 66852
Gridley, KS 66852
Phone Number
(620) 836-2888
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.