Major Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Fair asset quality (4.5). 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 14.3. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (10%), securities (10%), cash (4%), comm loans (3%), comm re (3%), consumer loans (1%), other (70%)
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
No affiliate information available.