Dayspring Bank
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.0 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Asset Mix:
Comm re (22%), securities (17%), home mtgs (15%), comm loans (6%), cash (3%), consumer loans (1%), home eq lns (1%), other (35%)
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
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