Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (42%), securities (18%), comm re (9%), comm loans (6%), consumer loans (3%), home eq lns (3%), cash (1%), other (18%)
States with Branches:
CO, 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
Mid-America Financial Corporation
Investment Rating
--
Address
1101 East 27th Street
Hays, KS 67601
Hays, KS 67601
Phone Number
(785) 726-3157
Year Founded
1920
FDIC Number
Website
Largest Affiliates
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