Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.6. A current level of 4.4 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other 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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (31%), comm re (20%), comm loans (19%), cash (7%), home mtgs (3%), consumer loans (3%), home eq lns (1%), other (17%)
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
No affiliate information available.