Major Rating Factors:
A current level of 20.2 percent of nonperforming loans to core capital combined with 29.1 percent from a year earlier contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (23%), cash (12%), comm loans (12%), securities (5%), consumer loans (5%), comm re (4%), other (39%)
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
Goppert Financial Corp.
Investment Rating
--
Address
106 East Fifth Avenue
Garnett, KS 66032
Garnett, KS 66032
Phone Number
(785) 448-3111
Year Founded
1899
FDIC Number
Website
Largest Affiliates
Lathrop, MO
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Bank