Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.3. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other 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 (8.0 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 46.5 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Cash (22%), securities (22%), home mtgs (15%), comm re (5%), comm loans (5%), consumer loans (4%), other (28%)
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
UB, Inc.
Investment Rating
--
Address
379 Main Street
Unadilla, NE 68454
Unadilla, NE 68454
Phone Number
(402) 828-3210
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.