Major Rating Factors:
A current level of 21.1 percent of nonperforming loans to core capital combined with 43.5 percent from a year earlier contributes to the Weak asset quality (1.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 11.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Excellent (7.4) profitability.
Asset Mix:
Comm loans (12%), securities (11%), cash (5%), home mtgs (4%), comm re (4%), consumer loans (3%), other (61%)
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
-
Bank