Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. 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).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. A current level of 5.9 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (28%), comm re (19%), comm loans (12%), securities (11%), consumer loans (7%), home eq lns (3%), cash (2%), other (18%)
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 State Bancshares, Inc.
Investment Rating
--
Address
11330 East 21st Street, North
Wichita, KS 67206
Wichita, KS 67206
Phone Number
(316) 634-1600
Year Founded
1999
FDIC Number
Largest Affiliates
No affiliate information available.