Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 8.7.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 40.7 percent and a “hot money” ratio of 14.1 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (48%), home mtgs (11%), comm re (7%), comm loans (2%), consumer loans (2%), cash (1%), other (28%)
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
Padgett Agency, Inc.
Investment Rating
--
Address
417 Commercial Street
Greenleaf, KS 66943
Greenleaf, KS 66943
Phone Number
(785) 747-2261
Year Founded
1915
FDIC Number
Website
Largest Affiliates
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