Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (1.9) profitability. A current level of 4.5 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 14.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Comm loans (28%), securities (26%), comm re (10%), consumer loans (7%), cash (1%), other (28%)
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.