Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 43.2 percent and a “hot money” ratio of 18.3 percent. A current level of 17.8 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Securities (23%), cash (22%), home mtgs (5%), consumer loans (5%), comm loans (2%), other (43%)
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
No affiliate information available.