Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 9.0.
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 (5.9) 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).
Asset Mix:
Securities (45%), comm loans (13%), home mtgs (9%), comm re (4%), consumer loans (3%), cash (1%), other (26%)
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 National Agency, Inc.
Investment Rating
--
Address
121 North Main
Cimarron, KS 67835
Cimarron, KS 67835
Phone Number
(620) 855-3416
Year Founded
1929
FDIC Number
Website
Largest Affiliates
No affiliate information available.