Major Rating Factors:
A current level of 17.0 percent of nonperforming loans to core capital combined with 17.6 percent from a year earlier contributes to the Fair asset quality (3.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.2) profitability.
Asset Mix:
Home mtgs (21%), securities (21%), comm re (19%), comm loans (11%), cash (4%), consumer loans (1%), 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
Namyaw Corporation, Inc.
Investment Rating
--
Address
801 Merchant Street
Emporia, KS 66801
Emporia, KS 66801
Phone Number
(620) 342-3454
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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