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). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.3.
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 (8.0) profitability. A current level of 5.7 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Home mtgs (44%), comm re (15%), comm loans (14%), cash (7%), securities (4%), consumer loans (3%), home eq lns (1%), other (11%)
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
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