Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm re (15%), comm loans (14%), home mtgs (10%), cash (4%), consumer loans (2%), other (31%)
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
No affiliate information available.