Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Good liquidity 5.3, driven by a liquidity ratio of 73.6 percent and a “hot money” ratio of 12.8 percent.
Asset Mix:
Cash (65%), home mtgs (7%), comm loans (6%), securities (4%), consumer loans (2%), other (16%)
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
624 Main Street
Dwight, KS 66849
Dwight, KS 66849
Phone Number
(785) 482-3229
Year Founded
1921
FDIC Number
Largest Affiliates
No affiliate information available.