Major Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.7) profitability.
Asset Mix:
Comm loans (19%), comm re (15%), cash (9%), securities (5%), consumer loans (4%), home eq lns (1%), home mtgs (0%), other (47%)
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
BSB Bancshares, Inc.
Investment Rating
--
Address
226 Second Street
Brunswick, NE 68720
Brunswick, NE 68720
Phone Number
(402) 842-2435
Year Founded
1930
FDIC Number
Largest Affiliates
No affiliate information available.