Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.0). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.0 and a capital leverage ratio of 8.9.
Asset Mix:
Comm re (33%), home mtgs (16%), consumer loans (6%), comm loans (5%), securities (5%), cash (3%), home eq lns (3%), other (29%)
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
Chisholm Trail Financial Corporation
Investment Rating
--
Address
6160 North Broadway Avenue
Park City, KS 67219
Park City, KS 67219
Phone Number
(316) 744-1293
Year Founded
1975
FDIC Number
Website
Largest Affiliates
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