Major Rating Factors:
A current level of 16.3 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.6 and a capital leverage ratio of 19.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Cash (31%), securities (24%), home mtgs (5%), comm re (3%), comm loans (2%), consumer loans (1%), other (34%)
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
Investment Rating
--
Address
104 South Main Street
Scotia, NE 68875
Scotia, NE 68875
Phone Number
(308) 245-4201
Year Founded
1934
FDIC Number
Largest Affiliates
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