Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 9.5. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (5.6) profitability.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 23.1 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (40%), comm re (16%), home mtgs (13%), cash (7%), comm loans (6%), home eq lns (1%), consumer loans (0%), other (17%)
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
Community Bancshares, Inc.
Investment Rating
--
Address
210 Main Street
Seneca, KS 66538
Seneca, KS 66538
Phone Number
(785) 336-6143
Year Founded
1984
FDIC Number
Largest Affiliates
No affiliate information available.