First Option Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (32%), home mtgs (27%), comm re (13%), comm loans (3%), consumer loans (3%), home eq lns (2%), cash (1%), other (18%)
States with Branches:
KS, MO
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
The Osawatomie Agency, Inc.
Investment Rating
--
Address
601 Main Street
Osawatomie, KS 66064
Osawatomie, KS 66064
Phone Number
(913) 755-3811
Year Founded
1923
FDIC Number
Website
Largest Affiliates
No affiliate information available.