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 (8.7 on a scale of 0 to 10). A current level of 0.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Asset Mix:
Comm re (18%), securities (14%), comm loans (11%), home mtgs (11%), cash (1%), consumer loans (1%), other (45%)
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 State Holding Co.
Investment Rating
--
Address
2701 Grainger Parkway
Lincoln, NE 68516
Lincoln, NE 68516
Phone Number
(402) 858-1771
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.