Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 6.2 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.8) profitability.
Asset Mix:
Securities (22%), comm loans (16%), comm re (12%), home mtgs (11%), cash (2%), consumer loans (2%), other (35%)
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
American Exchange Company
Investment Rating
--
Address
151 North Fourth Street
Elmwood, NE 68349
Elmwood, NE 68349
Phone Number
(402) 994-4000
Year Founded
1889
FDIC Number
Website
Largest Affiliates
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