Major Rating Factors:
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). A current level of 5.8 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.2) profitability.
Asset Mix:
Cash (17%), home mtgs (9%), comm loans (8%), comm re (3%), consumer loans (1%), other (63%)
States with Branches:
KS, 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
FM Group, Inc.
Investment Rating
--
Address
501 Main Street
Milligan, NE 68406
Milligan, NE 68406
Phone Number
(402) 629-4251
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.