SJN Bank of Kansas
Major Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). A current level of 17.5 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (3.4).
Asset Mix:
Securities (29%), comm loans (15%), home mtgs (8%), comm re (5%), cash (2%), consumer loans (1%), other (40%)
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
SJN Banc Co
Investment Rating
--
Address
116 East Third Avenue
Saint John, KS 67576
Saint John, KS 67576
Phone Number
(620) 549-3225
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.