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 (9.3 on a scale of 0 to 10). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.5.
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.5). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (21%), comm re (15%), comm loans (11%), home mtgs (7%), cash (2%), consumer loans (1%), home eq lns (1%), other (42%)
States with Branches:
NE, SD
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
FEO Investments, Inc.
Investment Rating
--
Address
404 South 25th Street
Norfolk, NE 68701
Norfolk, NE 68701
Phone Number
(402) 371-0722
Year Founded
1943
FDIC Number
Website
Largest Affiliates
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