Major 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 (5.0 on a scale of 0 to 10). A current level of 3.5 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.6. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.5) profitability.
Asset Mix:
Home mtgs (18%), comm re (14%), comm loans (12%), securities (11%), cash (5%), home eq lns (3%), consumer loans (1%), other (36%)
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
Wamego Bancshares, Inc.
Investment Rating
--
Address
806 West Fifth Street
Wamego, KS 66547
Wamego, KS 66547
Phone Number
(785) 456-2221
Year Founded
1876
FDIC Number
Website
Largest Affiliates
No affiliate information available.