Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (28%), home mtgs (21%), comm re (16%), comm loans (5%), cash (4%), consumer loans (3%), home eq lns (2%), 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
Ottawa Bancshares, Inc.
Investment Rating
--
Address
235 South Santa Fe Avenue
Salina, KS 67401
Salina, KS 67401
Phone Number
(785) 825-2211
Year Founded
1955
FDIC Number
Website
Largest Affiliates
Hoisington, KS
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Bank
Emporia, KS
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Bank