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 (5.0 on a scale of 0 to 10). A current level of 2.3 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 14.0. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.0 has resulted in Excellent (10.0) profitability.
Asset Mix:
Cash (16%), home mtgs (9%), securities (8%), comm loans (2%), comm re (2%), consumer loans (1%), other (61%)
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
10841 North 142nd Street
Waverly, NE 68462
Waverly, NE 68462
Phone Number
(402) 786-2555
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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