First National Bank and Trust
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Asset Mix:
Securities (28%), home mtgs (9%), comm loans (9%), comm re (4%), consumer loans (4%), cash (2%), other (44%)
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
Golden Plains Bankshares, Inc.
Investment Rating
--
Address
225 State Street
Phillipsburg, KS 67661
Phillipsburg, KS 67661
Phone Number
(785) 543-6511
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.