Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.0) profitability.
Asset Mix:
Securities (23%), home mtgs (13%), comm re (12%), comm loans (9%), cash (7%), home eq lns (3%), consumer loans (1%), other (33%)
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
Valley Bank Shares, Inc.
Investment Rating
--
Address
330 North Spruce Street
Valley, NE 68064
Valley, NE 68064
Phone Number
(402) 359-2281
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.