Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Securities (28%), comm re (16%), comm loans (9%), home mtgs (5%), cash (2%), home eq lns (2%), consumer loans (1%), other (37%)
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
First Centralia Bancshares, Inc.
Investment Rating
--
Address
620 Fourth Street
Centralia, KS 66415
Centralia, KS 66415
Phone Number
(785) 857-3341
Year Founded
1882
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.