Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.9 and a capital leverage ratio of 12.8. A current level of 0.2 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.9) profitability.
Asset Mix:
Securities (38%), comm re (23%), consumer loans (12%), comm loans (8%), cash (6%), home eq lns (1%), other (12%)
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
Light Bancshares Corporation
Investment Rating
--
Address
2320 North Kansas Avenue
Liberal, KS 67901
Liberal, KS 67901
Phone Number
(620) 624-6898
Year Founded
1998
FDIC Number
Largest Affiliates
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