Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 3.4 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (46%), home mtgs (13%), comm re (7%), comm loans (5%), consumer loans (4%), cash (1%), other (25%)
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
Republic Bancshares, Inc.
Investment Rating
--
Address
702 North Second Street
Natoma, KS 67651
Natoma, KS 67651
Phone Number
(785) 885-4234
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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