Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.9). 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 (26%), comm re (16%), comm loans (14%), home mtgs (10%), consumer loans (2%), cash (2%), other (29%)
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.