Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (1.9) profitability. A current level of 7.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 34.0 percent and a “hot money” ratio of 3.3 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 (34%), home mtgs (26%), cash (8%), consumer loans (6%), comm loans (5%), 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.