Major Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Fair asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 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 23.6 and a capital leverage ratio of 13.3. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.5) profitability.
Asset Mix:
Home mtgs (17%), securities (15%), cash (12%), comm loans (9%), consumer loans (5%), comm re (5%), other (37%)
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
Kingsbury BDC Financial Services, Inc.
Investment Rating
--
Address
117 East Third Street
Ponca, NE 68770
Ponca, NE 68770
Phone Number
(402) 755-2224
Year Founded
1881
FDIC Number
Website
Largest Affiliates
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