Major Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 8.0. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Comm re (25%), securities (21%), home mtgs (14%), comm loans (9%), cash (5%), home eq lns (2%), consumer loans (2%), other (22%)
States with Branches:
KS, MO
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
Emprise Financial Corporation
Investment Rating
--
Address
257 North Broadway Street
Wichita, KS 67202
Wichita, KS 67202
Phone Number
(316) 383-4301
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.