Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 10.8. A current level of 3.7 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Securities (26%), comm loans (21%), comm re (20%), cash (5%), home mtgs (3%), consumer loans (3%), home eq lns (1%), other (21%)
States with Branches:
AR, KS, OK
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
INTRUST Financial Corporation
Investment Rating
--
Address
105 North Main Street
Wichita, KS 67202
Wichita, KS 67202
Phone Number
(316) 383-1234
Year Founded
1876
FDIC Number
Website
Largest Affiliates
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