Major Rating Factors:
A current level of 8.7 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (22%), comm re (18%), comm loans (16%), home mtgs (6%), cash (2%), consumer loans (1%), home eq lns (1%), other (33%)
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
(866) 960-2261
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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