Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 8.4. A current level of 8.3 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Home mtgs (51%), securities (9%), comm loans (5%), cash (5%), comm re (5%), consumer loans (3%), other (22%)
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
Stock Exchange Financial Corporation
Investment Rating
--
Address
103 South Main Street
Caldwell, KS 67022
Caldwell, KS 67022
Phone Number
(620) 845-6431
Year Founded
1881
FDIC Number
Website
Largest Affiliates
No affiliate information available.