Dayspring Bank
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Good asset quality (5.0). Fair liquidity 3.5, driven by a liquidity ratio of 23.1 percent and a “hot money” ratio of 16.0 percent.
Asset Mix:
Comm re (20%), securities (20%), home mtgs (14%), comm loans (7%), cash (4%), 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
First Gothenburg Bancshares, Inc.
Investment Rating
--
Address
914 Lake Avenue
Gothenburg, NE 69138
Gothenburg, NE 69138
Phone Number
(308) 537-3684
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.