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 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.4) profitability. A current level of 11.4 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (25%), home mtgs (9%), comm loans (8%), consumer loans (4%), comm re (3%), cash (2%), other (49%)
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.