Flatwater Bank
Major Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Fair asset quality (4.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.3) profitability.
Asset Mix:
Securities (17%), comm loans (10%), home mtgs (8%), comm re (7%), consumer loans (2%), cash (2%), other (54%)
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
Williams Financial Corp.
Investment Rating
--
Address
900 Lake Avenue
Gothenburg, NE 69138
Gothenburg, NE 69138
Phone Number
(308) 537-7181
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.