Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 15.6 percent from a year earlier contributes to the Good asset quality (5.0). 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 (37%), comm re (15%), home mtgs (12%), cash (11%), comm loans (6%), home eq lns (2%), consumer loans (0%), other (16%)
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.