Major Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 14.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm loans (22%), comm re (7%), cash (2%), consumer loans (2%), other (43%)
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
C L C Enterprises, Inc.
Investment Rating
--
Address
401 South Main Street
Nelson, NE 68961
Nelson, NE 68961
Phone Number
(402) 225-3381
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.