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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 24.4 percent and a “hot money” ratio of 12.1 percent. A current level of 13.8 percent of nonperforming loans to core capital combined with 26.9 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Cash (22%), home mtgs (21%), comm loans (18%), securities (13%), consumer loans (4%), comm re (4%), other (19%)
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
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Address
200 North Burrton Avenue
Burrton, KS 67020
Burrton, KS 67020
Phone Number
(620) 463-4060
Year Founded
1947
FDIC Number
Largest Affiliates
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