Impact Bank
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.7. A current level of 4.2 percent of nonperforming loans to core capital combined with 20.1 percent from a year earlier contributes to the Fair asset quality (5.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (26%), comm re (18%), comm loans (7%), home mtgs (6%), cash (3%), consumer loans (2%), other (38%)
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
First Financial Corporation
Investment Rating
--
Address
206 East Harvey Avenue
Wellington, KS 67152
Wellington, KS 67152
Phone Number
(620) 326-3361
Year Founded
1879
FDIC Number
Website
Largest Affiliates
No affiliate information available.