Major Rating Factors:
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). A current level of 8.5 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Home mtgs (52%), securities (9%), comm re (6%), comm loans (5%), cash (3%), consumer loans (3%), other (23%)
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
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