Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.8 and a capital leverage ratio of 21.2. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 40.6 percent and a “hot money” ratio of 20.9 percent.
Asset Mix:
Securities (47%), comm loans (10%), cash (3%), home mtgs (1%), consumer loans (1%), other (38%)
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
Investment Rating
--
Address
306 South Vermont Avenue
Ransom, KS 67572
Ransom, KS 67572
Phone Number
(785) 731-2261
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.