Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.0) profitability. A current level of 44.0 percent of nonperforming loans to core capital combined with 28.9 percent from a year earlier contributes to the Very Weak asset quality (0.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Comm loans (14%), securities (9%), comm re (5%), home mtgs (4%), consumer loans (3%), cash (2%), other (63%)
States with Branches:
NE
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
Central Bancshares, Inc.
Investment Rating
--
Address
623 Patterson Street
Cambridge, NE 69022
Cambridge, NE 69022
Phone Number
(308) 697-4344
Year Founded
1907
FDIC Number
Website
Largest Affiliates
McCook, NE
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Bank