Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). A current level of 19.3 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (3.5).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Good liquidity 5.1, driven by a liquidity ratio of 73.6 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Cash (61%), home mtgs (8%), comm loans (7%), securities (6%), consumer loans (3%), 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
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