Battle Creek State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 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 27.2 and a capital leverage ratio of 21.3. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Comm loans (57%), securities (18%), cash (5%), comm re (1%), consumer loans (1%), home mtgs (0%), other (18%)
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
Battle Creek State Company, Inc.
Investment Rating
--
Address
202 West Main Street
Battle Creek, NE 68715
Battle Creek, NE 68715
Phone Number
(402) 675-2035
Year Founded
1943
FDIC Number
Largest Affiliates
No affiliate information available.