Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.9) profitability. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Securities (27%), comm loans (23%), comm re (13%), consumer loans (4%), cash (2%), other (32%)
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.