First National Bank of Spearville
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (7.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Securities (10%), cash (8%), comm loans (6%), comm re (5%), consumer loans (2%), other (68%)
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
Spearville Bancshares, Inc.
Investment Rating
--
Address
303 North Main Street
Spearville, KS 67876
Spearville, KS 67876
Phone Number
(620) 385-2636
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.