Major Rating Factors:
Weak current capitalization (2.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 19.0 percent and a “hot money” ratio of 26.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Securities (39%), home mtgs (10%), comm re (5%), comm loans (4%), cash (2%), consumer loans (1%), other (39%)
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
Elkcorp, Inc.
Investment Rating
--
Address
328 Washington Street
Clyde, KS 66938
Clyde, KS 66938
Phone Number
(785) 446-2291
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.