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 (3.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 14.0. Fair liquidity 3.7, driven by a liquidity ratio of 32.6 percent and a “hot money” ratio of 19.2 percent.
Asset Mix:
Securities (36%), cash (3%), home mtgs (2%), comm loans (2%), comm re (2%), consumer loans (2%), other (53%)
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
No affiliate information available.