Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 17.7 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Securities (46%), comm loans (12%), home mtgs (9%), comm re (5%), consumer loans (2%), cash (1%), other (25%)
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
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