Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.4) profitability. A current level of 2.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (18%), cash (12%), securities (11%), comm re (7%), comm loans (6%), consumer loans (5%), home eq lns (2%), other (40%)
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
Williams Holding Company, Inc.
Investment Rating
--
Address
314 Main Street
Halstead, KS 67056
Halstead, KS 67056
Phone Number
(316) 830-2226
Year Founded
1882
FDIC Number
Website
Largest Affiliates
No affiliate information available.