Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.4 and a capital leverage ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 38.5 percent from a year earlier contributes to the Fair asset quality (3.8). Fair liquidity 3.7, driven by a liquidity ratio of 36.0 percent and a “hot money” ratio of 20.9 percent.
Asset Mix:
Securities (38%), cash (3%), comm loans (2%), home mtgs (2%), comm re (2%), consumer loans (2%), other (51%)
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
Hope Bancshares, Inc.
Investment Rating
--
Address
112 North Main Street
Hope, KS 67451
Hope, KS 67451
Phone Number
(785) 366-7225
Year Founded
1923
FDIC Number
Website
Largest Affiliates
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