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). A current level of 6.3 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (30%), comm re (18%), comm loans (12%), securities (12%), consumer loans (4%), home eq lns (3%), cash (1%), other (19%)
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
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