Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.8 and a capital leverage ratio of 18.3. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (22%), home mtgs (19%), cash (13%), comm loans (4%), comm re (4%), consumer loans (3%), other (35%)
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
Crossdale, Inc.
Investment Rating
--
Address
610 Oregon Street
Hiawatha, KS 66434
Hiawatha, KS 66434
Phone Number
(785) 742-2101
Year Founded
1907
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.