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 (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability. A current level of 3.8 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Comm re (26%), securities (21%), comm loans (16%), consumer loans (7%), home mtgs (4%), cash (1%), 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.