Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 11.5. A current level of 2.7 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (8.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (13%), cash (11%), comm re (7%), comm loans (6%), consumer loans (5%), other (30%)
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
Elk County Bancshares, Inc.
Investment Rating
--
Address
100 South Wabash
Howard, KS 67349
Howard, KS 67349
Phone Number
(620) 374-2127
Year Founded
1877
FDIC Number
Website
Largest Affiliates
No affiliate information available.