Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (22%), home mtgs (20%), comm re (12%), comm loans (6%), cash (2%), consumer loans (2%), other (37%)
States with Branches:
KS, MO
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
Everest Bancshares, Inc.
Investment Rating
--
Address
545 Main Street
Everest, KS 66424
Everest, KS 66424
Phone Number
(785) 548-7521
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.