Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.9 on a scale of 0 to 10). Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1.
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (26%), comm re (21%), home mtgs (13%), comm loans (4%), home eq lns (2%), cash (1%), consumer loans (0%), other (32%)
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
Exchange Company
Investment Rating
--
Address
3110 Second Avenue
Kearney, NE 68847
Kearney, NE 68847
Phone Number
(308) 237-7711
Year Founded
1885
FDIC Number
Website
Largest Affiliates
No affiliate information available.