Major Rating Factors:
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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.1). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 9.2.
Asset Mix:
Securities (22%), home mtgs (18%), comm loans (8%), cash (5%), comm re (5%), consumer loans (3%), other (41%)
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
Southeast Bancshares, Inc.
Investment Rating
--
Address
101 West Main Street
Chanute, KS 66720
Chanute, KS 66720
Phone Number
(620) 431-1400
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.