Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 8.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.5) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 28.1 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Securities (39%), cash (14%), comm loans (10%), home mtgs (8%), comm re (4%), consumer loans (2%), other (22%)
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.