Major Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.2) profitability.
Asset Mix:
Comm re (23%), home mtgs (20%), securities (14%), comm loans (12%), cash (10%), consumer loans (6%), home eq lns (2%), other (13%)
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
Heritage Bancshares, Inc.
Investment Rating
--
Address
3024 Southwest Wanamaker Road
Topeka, KS 66614
Topeka, KS 66614
Phone Number
(785) 440-2200
Year Founded
2003
FDIC Number
Largest Affiliates
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