Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Weak (2.8) profitability. A current level of 5.2 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. 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).
Asset Mix:
Cash (10%), comm loans (10%), home mtgs (7%), consumer loans (5%), comm re (4%), securities (0%), other (64%)
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 National Utica Company
Investment Rating
--
Address
785 D Street
Utica, NE 68456
Utica, NE 68456
Phone Number
(402) 534-2191
Year Founded
1882
FDIC Number
Largest Affiliates
No affiliate information available.