Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Asset Mix:
Comm re (33%), home mtgs (12%), comm loans (9%), home eq lns (9%), securities (8%), cash (6%), consumer loans (3%), other (20%)
States with Branches:
KS, OK
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
Fidelity Financial Corporation
Investment Rating
--
Address
100 East English Street
Wichita, KS 67202
Wichita, KS 67202
Phone Number
(316) 265-2261
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.