Major Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.3) profitability.
Asset Mix:
Cash (26%), securities (19%), home mtgs (7%), consumer loans (4%), comm loans (3%), other (41%)
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
412 West Commercial Street
Fairview, KS 66425
Fairview, KS 66425
Phone Number
(785) 467-3560
Year Founded
1929
FDIC Number
Largest Affiliates
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