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 (5.0 on a scale of 0 to 10). A current level of 3.1 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Good (6.8) profitability.
Asset Mix:
Home mtgs (20%), securities (18%), comm re (14%), comm loans (11%), cash (7%), home eq lns (1%), consumer loans (1%), other (28%)
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
Plains Bancshares, Inc.
Investment Rating
--
Address
411 Grand Avenue
Plains, KS 67869
Plains, KS 67869
Phone Number
(620) 563-7242
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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