Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.3) profitability. A current level of 4.6 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (7.0).
Asset Mix:
Comm re (25%), securities (19%), comm loans (15%), consumer loans (6%), cash (4%), home mtgs (3%), home eq lns (1%), other (25%)
States with Branches:
KS, 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
Farmers & Merchants Investment, Inc.
Investment Rating
--
Address
3643 South 48th Street
Lincoln, NE 68506
Lincoln, NE 68506
Phone Number
(402) 323-1828
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.