Major Rating Factors:
A current level of 12.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Fair asset quality (4.5). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.4.
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.8 has resulted in Excellent (9.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Securities (22%), comm re (16%), comm loans (14%), home mtgs (6%), cash (2%), consumer loans (1%), home eq lns (1%), other (37%)
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
Legacy Financial, Inc.
Investment Rating
--
Address
11 North Main Street
Syracuse, KS 67878
Syracuse, KS 67878
Phone Number
(620) 384-7441
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.