Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability. A current level of 11.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 3.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Securities (35%), home mtgs (27%), consumer loans (6%), cash (6%), comm loans (4%), comm re (1%), other (21%)
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
--
Address
510 Main Street
Denton, KS 66017
Denton, KS 66017
Phone Number
(785) 359-6533
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.