Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.1.
Asset Mix:
Securities (37%), comm loans (8%), home mtgs (7%), comm re (5%), cash (3%), home eq lns (1%), consumer loans (1%), other (39%)
States with Branches:
KS, NE
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
Astra Financial Group, Inc.
Investment Rating
--
Address
323 Fourth Street
Scandia, KS 66966
Scandia, KS 66966
Phone Number
(785) 335-2243
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.