Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (25%), home mtgs (15%), consumer loans (12%), cash (9%), comm re (6%), comm loans (6%), home eq lns (1%), other (26%)
States with Branches:
KS, MO
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
Exchange Bankshares Corporation of Kansas
Investment Rating
--
Address
600 Commercial Street
Atchison, KS 66002
Atchison, KS 66002
Phone Number
(913) 367-6000
Year Founded
1856
FDIC Number
Website
Largest Affiliates
No affiliate information available.