Major Rating Factors:
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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 7.8.
Asset Mix:
Home mtgs (41%), comm re (18%), comm loans (10%), cash (7%), securities (5%), consumer loans (2%), home eq lns (1%), other (16%)
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
Greenwood County Financial Services, Inc.
Investment Rating
--
Address
217 North Main Street
Eureka, KS 67045
Eureka, KS 67045
Phone Number
(620) 583-5516
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.